Home > Dollar Bank, Federal Savings Bank > Performance and Condition Ratios
Dollar Bank, Federal Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 2,881 |
| Cost of funding earning assets | 1.6326% | 1,606 |
| Net interest margin | 2.9727% | 3,352 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.5564% | 2,138 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.4201% | 3,828 |
| Return on assets (ROA) | 0.4201% | 3,827 |
| Pretax return on assets | 0.4962% | 3,817 |
| Return on Equity (ROE) | 4.5300% | 3,806 |
| Retained earnings to average equity (ytd only) | 4.5290% | 2,779 |
| Net charge-offs to loans | 0.1050% | 876 |
| Credit loss provision to net charge-offs | 128.0096% | 1,613 |
| Earnings coverage of net charge-offs (x) | 7.4972% | 2,401 |
| Efficiency ratio | 80.8769% | 859 |
| Assets per employee ($millions) | 7.6889% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 3,824 |
| Loan loss allowance to noncurrent loans | 119.7707% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 985 |
| Noncurrent loans to loans | 0.7187% | 1,086 |
| Net loans and leases to total assets | 76.6800% | 1,021 |
| Net loans and leases to deposits | 93.3404% | 990 |
| Net loans and leases to core deposits | 104.0759% | 1,214 |
| Total domestic deposits to total assets | 82.1500% | 3,104 |
| Equity capital to assets | 9.6348% | 2,250 |
| Core capital (leverage) ratio | 10.6664% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3155% | 1,024 |
| Memoranda: | ||
| Average total assets | $11,501,338,200 | 148 |
| Average earning assets | $10,763,455,400 | 143 |
| Average equity | $1,066,920,200 | 161 |
| Average total loans | $8,739,775,200 | 138 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 2,893 |
| Cost of funding earning assets | 1.5088% | 1,575 |
| Net interest margin | 3.0009% | 3,344 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.6001% | 1,940 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.3632% | 4,022 |
| Return on assets (ROA) | 0.3629% | 4,029 |
| Pretax return on assets | 0.4677% | 3,960 |
| Return on Equity (ROE) | 3.9500% | 3,991 |
| Retained earnings to average equity (ytd only) | 3.9506% | 3,271 |
| Net charge-offs to loans | 0.0989% | 790 |
| Credit loss provision to net charge-offs | 131.6809% | 1,409 |
| Earnings coverage of net charge-offs (x) | 7.5707% | 2,230 |
| Efficiency ratio | 81.9506% | 734 |
| Assets per employee ($millions) | 7.4928% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6179% | 4,244 |
| Loan loss allowance to noncurrent loans | 98.7812% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 1,181 |
| Noncurrent loans to loans | 0.6255% | 1,303 |
| Net loans and leases to total assets | 76.3600% | 1,077 |
| Net loans and leases to deposits | 96.1183% | 749 |
| Net loans and leases to core deposits | 103.0051% | 1,164 |
| Total domestic deposits to total assets | 79.4400% | 3,614 |
| Equity capital to assets | 9.1282% | 2,346 |
| Core capital (leverage) ratio | 10.5276% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0266% | 1,096 |
| Memoranda: | ||
| Average total assets | $11,501,022,250 | 149 |
| Average earning assets | $10,757,760,750 | 144 |
| Average equity | $1,056,587,000 | 162 |
| Average total loans | $8,700,534,500 | 138 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 2,926 |
| Cost of funding earning assets | 1.3483% | 1,586 |
| Net interest margin | 3.0345% | 3,343 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.3877% | 2,532 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.5334% | 3,739 |
| Return on assets (ROA) | 0.5333% | 3,749 |
| Pretax return on assets | 0.6872% | 3,627 |
| Return on Equity (ROE) | 5.7900% | 3,735 |
| Retained earnings to average equity (ytd only) | 5.7926% | 2,695 |
| Net charge-offs to loans | 0.1114% | 633 |
| Credit loss provision to net charge-offs | 114.1553% | 1,355 |
| Earnings coverage of net charge-offs (x) | 9.3396% | 2,024 |
| Efficiency ratio | 75.1420% | 1,246 |
| Assets per employee ($millions) | 7.8807% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6060% | 4,296 |
| Loan loss allowance to noncurrent loans | 93.6911% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4964% | 1,093 |
| Noncurrent loans to loans | 0.6468% | 1,156 |
| Net loans and leases to total assets | 75.3100% | 1,122 |
| Net loans and leases to deposits | 95.8005% | 741 |
| Net loans and leases to core deposits | 101.8611% | 1,140 |
| Total domestic deposits to total assets | 78.6200% | 3,770 |
| Equity capital to assets | 9.2176% | 2,361 |
| Core capital (leverage) ratio | 10.5810% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0861% | 1,111 |
| Memoranda: | ||
| Average total assets | $11,493,392,000 | 146 |
| Average earning assets | $10,758,827,000 | 140 |
| Average equity | $1,058,141,000 | 160 |
| Average total loans | $8,649,334,667 | 134 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 3,000 |
| Cost of funding earning assets | 1.1462% | 1,610 |
| Net interest margin | 3.0752% | 3,411 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.4083% | 2,508 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.5406% | 3,812 |
| Return on assets (ROA) | 0.5408% | 3,771 |
| Pretax return on assets | 0.6966% | 3,670 |
| Return on Equity (ROE) | 5.8800% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.8777% | 2,798 |
| Net charge-offs to loans | 0.1200% | 534 |
| Credit loss provision to net charge-offs | 97.2006% | 1,151 |
| Earnings coverage of net charge-offs (x) | 8.7103% | 1,711 |
| Efficiency ratio | 75.2798% | 1,224 |
| Assets per employee ($millions) | 7.7706% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6056% | 4,349 |
| Loan loss allowance to noncurrent loans | 103.4606% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 1,137 |
| Noncurrent loans to loans | 0.5853% | 1,268 |
| Net loans and leases to total assets | 75.4100% | 1,031 |
| Net loans and leases to deposits | 95.0300% | 718 |
| Net loans and leases to core deposits | 99.7866% | 1,097 |
| Total domestic deposits to total assets | 79.3500% | 3,856 |
| Equity capital to assets | 9.3599% | 2,250 |
| Core capital (leverage) ratio | 10.6232% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1645% | 1,134 |
| Memoranda: | ||
| Average total assets | $11,431,995,000 | 149 |
| Average earning assets | $10,712,227,500 | 144 |
| Average equity | $1,051,847,500 | 163 |
| Average total loans | $8,573,002,000 | 138 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4403% | 3,235 |
| Cost of funding earning assets | 0.4405% | 1,784 |
| Net interest margin | 2.9998% | 3,453 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.4223% | 2,356 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.5847% | 3,914 |
| Return on assets (ROA) | 0.5852% | 3,878 |
| Pretax return on assets | 0.7311% | 3,793 |
| Return on Equity (ROE) | 6.2400% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.2384% | 2,556 |
| Net charge-offs to loans | 0.0642% | 1,003 |
| Credit loss provision to net charge-offs | 123.2967% | 1,441 |
| Earnings coverage of net charge-offs (x) | 17.0181% | 1,966 |
| Efficiency ratio | 75.2829% | 1,091 |
| Assets per employee ($millions) | 7.7831% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6223% | 4,316 |
| Loan loss allowance to noncurrent loans | 127.3789% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 1,351 |
| Noncurrent loans to loans | 0.4886% | 1,481 |
| Net loans and leases to total assets | 73.6500% | 1,253 |
| Net loans and leases to deposits | 91.6115% | 939 |
| Net loans and leases to core deposits | 95.3819% | 1,234 |
| Total domestic deposits to total assets | 80.4000% | 3,826 |
| Equity capital to assets | 9.0415% | 2,333 |
| Core capital (leverage) ratio | 10.5576% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1939% | 1,098 |
| Memoranda: | ||
| Average total assets | $11,196,344,600 | 150 |
| Average earning assets | $10,654,456,400 | 147 |
| Average equity | $1,050,281,200 | 163 |
| Average total loans | $8,075,154,200 | 141 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2360% | 3,341 |
| Cost of funding earning assets | 0.3087% | 2,071 |
| Net interest margin | 2.9273% | 3,417 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.2993% | 2,629 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.6369% | 3,730 |
| Return on assets (ROA) | 0.6378% | 3,682 |
| Pretax return on assets | 0.8091% | 3,557 |
| Return on Equity (ROE) | 6.7400% | 3,643 |
| Retained earnings to average equity (ytd only) | 6.7362% | 2,466 |
| Net charge-offs to loans | 0.0451% | 1,038 |
| Credit loss provision to net charge-offs | 176.2417% | 1,044 |
| Earnings coverage of net charge-offs (x) | 26.7850% | 1,578 |
| Efficiency ratio | 72.4888% | 1,445 |
| Assets per employee ($millions) | 7.6102% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6518% | 4,327 |
| Loan loss allowance to noncurrent loans | 133.3549% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 1,469 |
| Noncurrent loans to loans | 0.4887% | 1,580 |
| Net loans and leases to total assets | 73.9700% | 1,098 |
| Net loans and leases to deposits | 87.0378% | 1,098 |
| Net loans and leases to core deposits | 90.1991% | 1,283 |
| Total domestic deposits to total assets | 84.9800% | 3,291 |
| Equity capital to assets | 8.8262% | 2,329 |
| Core capital (leverage) ratio | 10.6993% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0169% | 986 |
| Memoranda: | ||
| Average total assets | $11,140,970,000 | 149 |
| Average earning assets | $10,646,852,250 | 145 |
| Average equity | $1,054,765,000 | 163 |
| Average total loans | $7,978,405,750 | 142 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0218% | 3,502 |
| Cost of funding earning assets | 0.2664% | 2,067 |
| Net interest margin | 2.7554% | 3,562 |
| Noninterest income to average assets | 0.3823% | 2,855 |
| Noninterest expense to average assets | 2.2770% | 2,616 |
| Loan and lease loss provision to assets | 0.0590% | 1,532 |
| Net operating income to assets | 0.5473% | 3,772 |
| Return on assets (ROA) | 0.5497% | 3,716 |
| Pretax return on assets | 0.6993% | 3,578 |
| Return on Equity (ROE) | 6.0307% | 3,563 |
| Retained earnings to average equity (ytd only) | 6.0307% | 2,327 |
| Net charge-offs to loans | 0.0379% | 1,004 |
| Credit loss provision to net charge-offs | 218.0233% | 934 |
| Earnings coverage of net charge-offs (x) | 27.8932% | 1,421 |
| Efficiency ratio | 75.0206% | 1,387 |
| Assets per employee ($millions) | 7.5148% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 4,321 |
| Loan loss allowance to noncurrent loans | 152.3423% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3535% | 1,585 |
| Noncurrent loans to loans | 0.4636% | 1,721 |
| Net loans and leases to total assets | 74.6295% | 848 |
| Net loans and leases to deposits | 87.8226% | 845 |
| Net loans and leases to core deposits | 90.4910% | 1,097 |
| Total domestic deposits to total assets | 84.9775% | 3,490 |
| Equity capital to assets | 8.8465% | 2,502 |
| Core capital (leverage) ratio | 10.1901% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5456% | 1,062 |
| Memoranda: | ||
| Average total assets | $10,162,614,333 | 157 |
| Average earning assets | $9,774,274,333 | 150 |
| Average equity | $926,258,667 | 176 |
| Average total loans | $7,263,696,667 | 149 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8668% | 3,615 |
| Cost of funding earning assets | 0.2637% | 1,994 |
| Net interest margin | 2.6030% | 3,656 |
| Noninterest income to average assets | 0.3697% | 2,872 |
| Noninterest expense to average assets | 2.2725% | 2,605 |
| Loan and lease loss provision to assets | 0.0701% | 1,173 |
| Net operating income to assets | 0.4223% | 3,907 |
| Return on assets (ROA) | 0.4268% | 3,860 |
| Pretax return on assets | 0.5429% | 3,774 |
| Return on Equity (ROE) | 4.6170% | 3,723 |
| Retained earnings to average equity (ytd only) | 4.6170% | 2,732 |
| Net charge-offs to loans | 0.0467% | 825 |
| Credit loss provision to net charge-offs | 215.3110% | 752 |
| Earnings coverage of net charge-offs (x) | 18.6567% | 1,303 |
| Efficiency ratio | 78.8388% | 1,239 |
| Assets per employee ($millions) | 7.6540% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7218% | 4,352 |
| Loan loss allowance to noncurrent loans | 109.2046% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 1,303 |
| Noncurrent loans to loans | 0.6609% | 1,434 |
| Net loans and leases to total assets | 70.0554% | 1,020 |
| Net loans and leases to deposits | 82.6399% | 965 |
| Net loans and leases to core deposits | 85.0746% | 1,182 |
| Total domestic deposits to total assets | 84.7720% | 3,592 |
| Equity capital to assets | 8.9368% | 2,764 |
| Core capital (leverage) ratio | 10.0328% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9239% | 1,059 |
| Memoranda: | ||
| Average total assets | $10,272,906,500 | 156 |
| Average earning assets | $9,906,130,000 | 149 |
| Average equity | $949,626,000 | 177 |
| Average total loans | $7,159,314,000 | 150 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9347% | 3,991 |
| Cost of funding earning assets | 0.3548% | 1,896 |
| Net interest margin | 2.5799% | 4,077 |
| Noninterest income to average assets | 0.4138% | 2,978 |
| Noninterest expense to average assets | 2.2354% | 2,981 |
| Loan and lease loss provision to assets | 0.0696% | 1,685 |
| Net operating income to assets | 0.4632% | 4,155 |
| Return on assets (ROA) | 0.4788% | 4,175 |
| Pretax return on assets | 0.6164% | 4,080 |
| Return on Equity (ROE) | 4.7130% | 4,058 |
| Retained earnings to average equity (ytd only) | 4.7130% | 2,914 |
| Net charge-offs to loans | 0.0681% | 1,114 |
| Credit loss provision to net charge-offs | 144.8388% | 1,517 |
| Earnings coverage of net charge-offs (x) | 13.8703% | 2,059 |
| Efficiency ratio | 76.9547% | 1,029 |
| Assets per employee ($millions) | 7.5494% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 4,390 |
| Loan loss allowance to noncurrent loans | 84.4867% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 1,124 |
| Noncurrent loans to loans | 0.8531% | 1,190 |
| Net loans and leases to total assets | 68.3283% | 1,230 |
| Net loans and leases to deposits | 81.6008% | 1,095 |
| Net loans and leases to core deposits | 84.9461% | 1,267 |
| Total domestic deposits to total assets | 83.7349% | 3,628 |
| Equity capital to assets | 9.5489% | 3,103 |
| Core capital (leverage) ratio | 9.8792% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8161% | 1,087 |
| Memoranda: | ||
| Average total assets | $10,205,063,600 | 157 |
| Average earning assets | $9,841,470,000 | 154 |
| Average equity | $1,036,758,600 | 169 |
| Average total loans | $7,196,809,000 | 153 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9439% | 4,095 |
| Cost of funding earning assets | 0.3735% | 1,906 |
| Net interest margin | 2.5704% | 4,176 |
| Noninterest income to average assets | 0.4048% | 3,057 |
| Noninterest expense to average assets | 2.2343% | 2,949 |
| Loan and lease loss provision to assets | 0.0851% | 1,404 |
| Net operating income to assets | 0.4395% | 4,314 |
| Return on assets (ROA) | 0.4568% | 4,320 |
| Pretax return on assets | 0.5851% | 4,255 |
| Return on Equity (ROE) | 4.4287% | 4,239 |
| Retained earnings to average equity (ytd only) | 4.4287% | 3,434 |
| Net charge-offs to loans | 0.0645% | 1,001 |
| Credit loss provision to net charge-offs | 186.1397% | 1,242 |
| Earnings coverage of net charge-offs (x) | 14.1761% | 1,898 |
| Efficiency ratio | 77.4000% | 922 |
| Assets per employee ($millions) | 7.4101% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 4,449 |
| Loan loss allowance to noncurrent loans | 64.5408% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.7896% | 906 |
| Noncurrent loans to loans | 1.1321% | 993 |
| Net loans and leases to total assets | 68.9927% | 1,193 |
| Net loans and leases to deposits | 84.0812% | 958 |
| Net loans and leases to core deposits | 87.6044% | 1,180 |
| Total domestic deposits to total assets | 82.0549% | 3,921 |
| Equity capital to assets | 9.5539% | 3,327 |
| Core capital (leverage) ratio | 9.8063% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7995% | 1,174 |
| Memoranda: | ||
| Average total assets | $10,178,220,500 | 158 |
| Average earning assets | $9,812,219,500 | 153 |
| Average equity | $1,049,768,250 | 166 |
| Average total loans | $7,221,643,500 | 154 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9492% | 4,140 |
| Cost of funding earning assets | 0.3923% | 1,951 |
| Net interest margin | 2.5569% | 4,242 |
| Noninterest income to average assets | 0.3940% | 3,133 |
| Noninterest expense to average assets | 2.2680% | 2,855 |
| Loan and lease loss provision to assets | 0.1083% | 1,163 |
| Net operating income to assets | 0.3747% | 4,430 |
| Return on assets (ROA) | 0.3977% | 4,426 |
| Pretax return on assets | 0.5099% | 4,377 |
| Return on Equity (ROE) | 3.7629% | 4,371 |
| Retained earnings to average equity (ytd only) | 3.7629% | 3,598 |
| Net charge-offs to loans | 0.0789% | 878 |
| Credit loss provision to net charge-offs | 192.0391% | 1,064 |
| Earnings coverage of net charge-offs (x) | 10.4476% | 1,796 |
| Efficiency ratio | 79.2768% | 829 |
| Assets per employee ($millions) | 7.3974% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7218% | 4,495 |
| Loan loss allowance to noncurrent loans | 66.8875% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.7586% | 1,082 |
| Noncurrent loans to loans | 1.0791% | 1,126 |
| Net loans and leases to total assets | 69.4660% | 1,267 |
| Net loans and leases to deposits | 84.1701% | 1,052 |
| Net loans and leases to core deposits | 88.4411% | 1,241 |
| Total domestic deposits to total assets | 82.5304% | 3,808 |
| Equity capital to assets | 9.4718% | 3,361 |
| Core capital (leverage) ratio | 9.5877% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6500% | 1,199 |
| Memoranda: | ||
| Average total assets | $10,159,841,000 | 157 |
| Average earning assets | $9,786,946,667 | 151 |
| Average equity | $1,073,796,000 | 164 |
| Average total loans | $7,258,112,000 | 152 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9860% | 4,117 |
| Cost of funding earning assets | 0.4170% | 1,954 |
| Net interest margin | 2.5690% | 4,207 |
| Noninterest income to average assets | 0.3818% | 3,190 |
| Noninterest expense to average assets | 2.3135% | 2,746 |
| Loan and lease loss provision to assets | 0.1184% | 1,153 |
| Net operating income to assets | 0.3311% | 4,478 |
| Return on assets (ROA) | 0.3764% | 4,430 |
| Pretax return on assets | 0.4848% | 4,374 |
| Return on Equity (ROE) | 3.3838% | 4,399 |
| Retained earnings to average equity (ytd only) | 3.3838% | 3,667 |
| Net charge-offs to loans | 0.0917% | 736 |
| Credit loss provision to net charge-offs | 178.8909% | 926 |
| Earnings coverage of net charge-offs (x) | 8.2475% | 1,585 |
| Efficiency ratio | 80.7980% | 769 |
| Assets per employee ($millions) | 7.4583% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6879% | 4,589 |
| Loan loss allowance to noncurrent loans | 63.3202% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.7749% | 1,173 |
| Noncurrent loans to loans | 1.0864% | 1,224 |
| Net loans and leases to total assets | 70.2190% | 1,257 |
| Net loans and leases to deposits | 86.9106% | 891 |
| Net loans and leases to core deposits | 91.4898% | 1,139 |
| Total domestic deposits to total assets | 80.7945% | 4,096 |
| Equity capital to assets | 10.9190% | 1,925 |
| Core capital (leverage) ratio | 11.4649% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7556% | 703 |
| Memoranda: | ||
| Average total assets | $10,131,850,000 | 157 |
| Average earning assets | $9,771,446,000 | 150 |
| Average equity | $1,126,884,500 | 160 |
| Average total loans | $7,313,111,500 | 152 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3694% | 4,239 |
| Cost of funding earning assets | 0.6528% | 1,972 |
| Net interest margin | 2.7167% | 4,360 |
| Noninterest income to average assets | 0.4759% | 2,750 |
| Noninterest expense to average assets | 2.2325% | 3,584 |
| Loan and lease loss provision to assets | 0.1356% | 2,667 |
| Net operating income to assets | 0.5407% | 3,929 |
| Return on assets (ROA) | 0.6558% | 3,702 |
| Pretax return on assets | 0.8456% | 3,511 |
| Return on Equity (ROE) | 5.7419% | 3,664 |
| Retained earnings to average equity (ytd only) | 5.7419% | 1,935 |
| Net charge-offs to loans | 0.1023% | 1,446 |
| Credit loss provision to net charge-offs | 170.4024% | 2,315 |
| Earnings coverage of net charge-offs (x) | 10.4977% | 2,457 |
| Efficiency ratio | 72.6493% | 1,613 |
| Assets per employee ($millions) | 7.0550% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6691% | 4,634 |
| Loan loss allowance to noncurrent loans | 64.6374% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.7713% | 1,333 |
| Noncurrent loans to loans | 1.0351% | 1,375 |
| Net loans and leases to total assets | 73.2213% | 1,126 |
| Net loans and leases to deposits | 91.9292% | 783 |
| Net loans and leases to core deposits | 97.6720% | 1,021 |
| Total domestic deposits to total assets | 79.6496% | 4,112 |
| Equity capital to assets | 11.3338% | 2,000 |
| Core capital (leverage) ratio | 11.6315% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7405% | 689 |
| Memoranda: | ||
| Average total assets | $9,585,564,400 | 154 |
| Average earning assets | $9,146,244,800 | 149 |
| Average equity | $1,094,840,800 | 158 |
| Average total loans | $7,459,523,200 | 141 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4474% | 4,292 |
| Cost of funding earning assets | 0.7108% | 1,960 |
| Net interest margin | 2.7366% | 4,420 |
| Noninterest income to average assets | 0.4889% | 2,659 |
| Noninterest expense to average assets | 2.2437% | 3,564 |
| Loan and lease loss provision to assets | 0.1432% | 2,588 |
| Net operating income to assets | 0.5628% | 3,871 |
| Return on assets (ROA) | 0.6130% | 3,823 |
| Pretax return on assets | 0.7705% | 3,726 |
| Return on Equity (ROE) | 5.3558% | 3,770 |
| Retained earnings to average equity (ytd only) | 5.3558% | 2,404 |
| Net charge-offs to loans | 0.1288% | 1,108 |
| Credit loss provision to net charge-offs | 140.8840% | 2,376 |
| Earnings coverage of net charge-offs (x) | 8.3743% | 2,503 |
| Efficiency ratio | 72.3838% | 1,596 |
| Assets per employee ($millions) | 6.9555% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6158% | 4,707 |
| Loan loss allowance to noncurrent loans | 86.3034% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 2,051 |
| Noncurrent loans to loans | 0.7136% | 2,010 |
| Net loans and leases to total assets | 76.4287% | 1,043 |
| Net loans and leases to deposits | 96.5318% | 722 |
| Net loans and leases to core deposits | 103.9147% | 930 |
| Total domestic deposits to total assets | 79.1746% | 4,029 |
| Equity capital to assets | 11.3275% | 2,130 |
| Core capital (leverage) ratio | 11.5189% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3636% | 745 |
| Memoranda: | ||
| Average total assets | $9,500,347,500 | 153 |
| Average earning assets | $9,045,566,250 | 148 |
| Average equity | $1,087,290,750 | 158 |
| Average total loans | $7,495,100,000 | 141 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5948% | 4,266 |
| Cost of funding earning assets | 0.7885% | 1,883 |
| Net interest margin | 2.8063% | 4,442 |
| Noninterest income to average assets | 0.4616% | 2,757 |
| Noninterest expense to average assets | 2.2658% | 3,608 |
| Loan and lease loss provision to assets | 0.1363% | 2,654 |
| Net operating income to assets | 0.5715% | 3,827 |
| Return on assets (ROA) | 0.5721% | 3,904 |
| Pretax return on assets | 0.7184% | 3,829 |
| Return on Equity (ROE) | 4.9806% | 3,832 |
| Retained earnings to average equity (ytd only) | 4.9806% | 2,479 |
| Net charge-offs to loans | 0.1498% | 967 |
| Credit loss provision to net charge-offs | 114.3265% | 2,314 |
| Earnings coverage of net charge-offs (x) | 7.1635% | 2,390 |
| Efficiency ratio | 72.5059% | 1,623 |
| Assets per employee ($millions) | 7.0428% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5791% | 4,765 |
| Loan loss allowance to noncurrent loans | 115.0038% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 2,695 |
| Noncurrent loans to loans | 0.5035% | 2,639 |
| Net loans and leases to total assets | 77.4019% | 934 |
| Net loans and leases to deposits | 97.9456% | 658 |
| Net loans and leases to core deposits | 106.0266% | 892 |
| Total domestic deposits to total assets | 79.0254% | 4,032 |
| Equity capital to assets | 11.1009% | 2,251 |
| Core capital (leverage) ratio | 11.4813% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9079% | 781 |
| Memoranda: | ||
| Average total assets | $9,391,070,333 | 155 |
| Average earning assets | $8,895,637,333 | 149 |
| Average equity | $1,078,624,667 | 159 |
| Average total loans | $7,474,101,333 | 143 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8155% | 4,202 |
| Cost of funding earning assets | 0.9007% | 1,865 |
| Net interest margin | 2.9148% | 4,411 |
| Noninterest income to average assets | 0.4365% | 2,869 |
| Noninterest expense to average assets | 2.4349% | 3,460 |
| Loan and lease loss provision to assets | 0.0851% | 2,627 |
| Net operating income to assets | 0.5504% | 3,737 |
| Return on assets (ROA) | 0.5483% | 3,812 |
| Pretax return on assets | 0.6819% | 3,740 |
| Return on Equity (ROE) | 4.6894% | 3,748 |
| Retained earnings to average equity (ytd only) | 4.6894% | 2,423 |
| Net charge-offs to loans | 0.1352% | 918 |
| Credit loss provision to net charge-offs | 78.1877% | 1,943 |
| Earnings coverage of net charge-offs (x) | 7.0690% | 1,947 |
| Efficiency ratio | 75.8647% | 1,576 |
| Assets per employee ($millions) | 6.6553% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5786% | 4,789 |
| Loan loss allowance to noncurrent loans | 139.6515% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3417% | 3,073 |
| Noncurrent loans to loans | 0.4143% | 3,008 |
| Net loans and leases to total assets | 79.6666% | 735 |
| Net loans and leases to deposits | 102.3674% | 438 |
| Net loans and leases to core deposits | 111.6272% | 774 |
| Total domestic deposits to total assets | 77.8242% | 4,246 |
| Equity capital to assets | 11.4994% | 2,437 |
| Core capital (leverage) ratio | 12.0137% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7025% | 1,029 |
| Memoranda: | ||
| Average total assets | $9,163,660,000 | 153 |
| Average earning assets | $8,701,972,000 | 149 |
| Average equity | $1,071,444,500 | 160 |
| Average total loans | $7,378,503,000 | 143 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0020% | 4,250 |
| Cost of funding earning assets | 0.9772% | 1,824 |
| Net interest margin | 3.0248% | 4,492 |
| Noninterest income to average assets | 0.5218% | 2,616 |
| Noninterest expense to average assets | 2.3397% | 3,849 |
| Loan and lease loss provision to assets | 0.0644% | 2,741 |
| Net operating income to assets | 0.8026% | 3,545 |
| Return on assets (ROA) | 0.8068% | 3,621 |
| Pretax return on assets | 1.0492% | 3,336 |
| Return on Equity (ROE) | 6.8450% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.8450% | 1,456 |
| Net charge-offs to loans | 0.1236% | 1,525 |
| Credit loss provision to net charge-offs | 63.6763% | 2,995 |
| Earnings coverage of net charge-offs (x) | 10.9558% | 2,533 |
| Efficiency ratio | 67.7262% | 2,499 |
| Assets per employee ($millions) | 6.5626% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5956% | 4,748 |
| Loan loss allowance to noncurrent loans | 142.0156% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.3513% | 3,002 |
| Noncurrent loans to loans | 0.4194% | 2,941 |
| Net loans and leases to total assets | 80.4365% | 732 |
| Net loans and leases to deposits | 104.5297% | 358 |
| Net loans and leases to core deposits | 113.8364% | 680 |
| Total domestic deposits to total assets | 76.9508% | 4,493 |
| Equity capital to assets | 11.8904% | 2,207 |
| Core capital (leverage) ratio | 11.9867% | 1,791 |
| Tier 1 risk-based capital ratio | 18.6461% | 1,603 |
| Total risk-based capital ratio | 19.4157% | 1,675 |
| Memoranda: | ||
| Average total assets | $8,770,440,400 | 152 |
| Average earning assets | $8,484,891,800 | 149 |
| Average equity | $1,033,716,200 | 161 |
| Average total loans | $7,177,709,000 | 142 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0437% | 4,274 |
| Cost of funding earning assets | 0.9778% | 1,857 |
| Net interest margin | 3.0658% | 4,533 |
| Noninterest income to average assets | 0.4912% | 2,788 |
| Noninterest expense to average assets | 2.3409% | 3,847 |
| Loan and lease loss provision to assets | 0.0766% | 2,364 |
| Net operating income to assets | 0.8075% | 3,658 |
| Return on assets (ROA) | 0.8131% | 3,717 |
| Pretax return on assets | 1.0457% | 3,459 |
| Return on Equity (ROE) | 6.9143% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.9143% | 1,905 |
| Net charge-offs to loans | 0.0746% | 1,752 |
| Credit loss provision to net charge-offs | 125.0938% | 1,878 |
| Earnings coverage of net charge-offs (x) | 18.2117% | 2,061 |
| Efficiency ratio | 67.5998% | 2,481 |
| Assets per employee ($millions) | 6.5063% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6535% | 4,724 |
| Loan loss allowance to noncurrent loans | 133.4450% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 2,848 |
| Noncurrent loans to loans | 0.4897% | 2,828 |
| Net loans and leases to total assets | 80.7815% | 734 |
| Net loans and leases to deposits | 104.7576% | 371 |
| Net loans and leases to core deposits | 116.3979% | 641 |
| Total domestic deposits to total assets | 77.1128% | 4,504 |
| Equity capital to assets | 11.6748% | 2,536 |
| Core capital (leverage) ratio | 12.0221% | 1,835 |
| Tier 1 risk-based capital ratio | 18.4520% | 1,697 |
| Total risk-based capital ratio | 19.3094% | 1,753 |
| Memoranda: | ||
| Average total assets | $8,702,241,750 | 153 |
| Average earning assets | $8,415,815,500 | 148 |
| Average equity | $1,023,326,750 | 162 |
| Average total loans | $7,142,725,000 | 144 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 4,262 |
| Cost of funding earning assets | 0.9503% | 1,909 |
| Net interest margin | 3.1061% | 4,522 |
| Noninterest income to average assets | 0.4601% | 2,910 |
| Noninterest expense to average assets | 2.3994% | 3,735 |
| Loan and lease loss provision to assets | 0.0872% | 2,107 |
| Net operating income to assets | 0.7568% | 3,806 |
| Return on assets (ROA) | 0.7654% | 3,836 |
| Pretax return on assets | 0.9881% | 3,589 |
| Return on Equity (ROE) | 6.4924% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.4924% | 2,056 |
| Net charge-offs to loans | 0.0810% | 1,548 |
| Credit loss provision to net charge-offs | 130.7531% | 1,657 |
| Earnings coverage of net charge-offs (x) | 15.9655% | 1,956 |
| Efficiency ratio | 69.1382% | 2,361 |
| Assets per employee ($millions) | 6.3817% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6633% | 4,770 |
| Loan loss allowance to noncurrent loans | 158.4840% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 3,106 |
| Noncurrent loans to loans | 0.4185% | 3,036 |
| Net loans and leases to total assets | 82.0537% | 604 |
| Net loans and leases to deposits | 103.5697% | 443 |
| Net loans and leases to core deposits | 116.7239% | 657 |
| Total domestic deposits to total assets | 79.2256% | 4,176 |
| Equity capital to assets | 11.8966% | 2,268 |
| Core capital (leverage) ratio | 12.1333% | 1,737 |
| Tier 1 risk-based capital ratio | 18.3944% | 1,703 |
| Total risk-based capital ratio | 19.2794% | 1,754 |
| Memoranda: | ||
| Average total assets | $8,603,566,670 | 153 |
| Average earning assets | $8,319,893,670 | 150 |
| Average equity | $1,014,259,000 | 163 |
| Average total loans | $7,084,716,330 | 146 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0394% | 4,283 |
| Cost of funding earning assets | 0.9101% | 1,956 |
| Net interest margin | 3.1293% | 4,536 |
| Noninterest income to average assets | 0.4201% | 3,053 |
| Noninterest expense to average assets | 2.4662% | 3,594 |
| Loan and lease loss provision to assets | 0.0877% | 1,960 |
| Net operating income to assets | 0.6932% | 3,959 |
| Return on assets (ROA) | 0.6929% | 4,001 |
| Pretax return on assets | 0.8921% | 3,792 |
| Return on Equity (ROE) | 5.9051% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.9051% | 2,494 |
| Net charge-offs to loans | 0.0495% | 1,575 |
| Credit loss provision to net charge-offs | 215.2698% | 1,005 |
| Earnings coverage of net charge-offs (x) | 24.0631% | 1,457 |
| Efficiency ratio | 71.4257% | 2,125 |
| Assets per employee ($millions) | 6.2899% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6724% | 4,826 |
| Loan loss allowance to noncurrent loans | 218.7637% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 3,550 |
| Noncurrent loans to loans | 0.3073% | 3,467 |
| Net loans and leases to total assets | 82.2095% | 567 |
| Net loans and leases to deposits | 104.5630% | 376 |
| Net loans and leases to core deposits | 116.2678% | 640 |
| Total domestic deposits to total assets | 78.6220% | 4,415 |
| Equity capital to assets | 11.8300% | 2,132 |
| Core capital (leverage) ratio | 12.0964% | 1,714 |
| Tier 1 risk-based capital ratio | 18.4967% | 1,665 |
| Total risk-based capital ratio | 19.4143% | 1,705 |
| Memoranda: | ||
| Average total assets | $8,553,017,500 | 155 |
| Average earning assets | $8,271,343,500 | 151 |
| Average equity | $1,003,607,500 | 165 |
| Average total loans | $7,031,978,000 | 146 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8219% | 4,439 |
| Cost of funding earning assets | 0.7678% | 1,698 |
| Net interest margin | 3.0542% | 4,722 |
| Noninterest income to average assets | 0.4679% | 3,005 |
| Noninterest expense to average assets | 2.3337% | 4,034 |
| Loan and lease loss provision to assets | 0.0469% | 3,246 |
| Net operating income to assets | 0.8007% | 3,802 |
| Return on assets (ROA) | 0.8054% | 3,787 |
| Pretax return on assets | 1.0461% | 3,452 |
| Return on Equity (ROE) | 7.0731% | 3,802 |
| Retained earnings to average equity (ytd only) | 7.0731% | 1,642 |
| Net charge-offs to loans | 0.0286% | 2,835 |
| Credit loss provision to net charge-offs | 198.8407% | 1,452 |
| Earnings coverage of net charge-offs (x) | 46.0857% | 1,192 |
| Efficiency ratio | 68.0675% | 2,533 |
| Assets per employee ($millions) | 6.3585% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6732% | 4,860 |
| Loan loss allowance to noncurrent loans | 225.1840% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 3,513 |
| Noncurrent loans to loans | 0.2990% | 3,490 |
| Net loans and leases to total assets | 81.1119% | 791 |
| Net loans and leases to deposits | 102.0170% | 591 |
| Net loans and leases to core deposits | 113.2529% | 815 |
| Total domestic deposits to total assets | 79.5082% | 4,212 |
| Equity capital to assets | 11.6370% | 2,149 |
| Core capital (leverage) ratio | 11.9771% | 1,747 |
| Tier 1 risk-based capital ratio | 18.3353% | 1,657 |
| Total risk-based capital ratio | 19.2359% | 1,716 |
| Memoranda: | ||
| Average total assets | $8,410,407,000 | 156 |
| Average earning assets | $8,131,484,800 | 152 |
| Average equity | $957,661,200 | 165 |
| Average total loans | $6,942,527,200 | 145 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7619% | 4,522 |
| Cost of funding earning assets | 0.7347% | 1,652 |
| Net interest margin | 3.0272% | 4,810 |
| Noninterest income to average assets | 0.4720% | 3,033 |
| Noninterest expense to average assets | 2.2900% | 4,122 |
| Loan and lease loss provision to assets | 0.0528% | 2,925 |
| Net operating income to assets | 0.8177% | 3,851 |
| Return on assets (ROA) | 0.8240% | 3,837 |
| Pretax return on assets | 1.0649% | 3,518 |
| Return on Equity (ROE) | 7.2774% | 3,829 |
| Retained earnings to average equity (ytd only) | 7.2774% | 1,989 |
| Net charge-offs to loans | 0.0353% | 2,382 |
| Credit loss provision to net charge-offs | 180.8279% | 1,492 |
| Earnings coverage of net charge-offs (x) | 38.0103% | 1,394 |
| Efficiency ratio | 67.2027% | 2,681 |
| Assets per employee ($millions) | 6.1047% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6657% | 4,942 |
| Loan loss allowance to noncurrent loans | 223.1040% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 3,600 |
| Noncurrent loans to loans | 0.2984% | 3,605 |
| Net loans and leases to total assets | 82.2443% | 673 |
| Net loans and leases to deposits | 104.1907% | 537 |
| Net loans and leases to core deposits | 114.9104% | 765 |
| Total domestic deposits to total assets | 78.9363% | 4,324 |
| Equity capital to assets | 11.6609% | 2,141 |
| Core capital (leverage) ratio | 11.7789% | 1,930 |
| Tier 1 risk-based capital ratio | 18.2688% | 1,724 |
| Total risk-based capital ratio | 19.1686% | 1,777 |
| Memoranda: | ||
| Average total assets | $8,384,487,250 | 156 |
| Average earning assets | $8,108,816,250 | 147 |
| Average equity | $949,379,500 | 165 |
| Average total loans | $6,939,973,000 | 142 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6872% | 4,615 |
| Cost of funding earning assets | 0.6956% | 1,644 |
| Net interest margin | 2.9916% | 4,889 |
| Noninterest income to average assets | 0.4557% | 3,117 |
| Noninterest expense to average assets | 2.3366% | 4,057 |
| Loan and lease loss provision to assets | 0.0745% | 2,398 |
| Net operating income to assets | 0.7330% | 4,094 |
| Return on assets (ROA) | 0.7427% | 4,060 |
| Pretax return on assets | 0.9509% | 3,804 |
| Return on Equity (ROE) | 6.6251% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.6251% | 2,247 |
| Net charge-offs to loans | 0.0313% | 2,225 |
| Credit loss provision to net charge-offs | 287.2928% | 1,035 |
| Earnings coverage of net charge-offs (x) | 39.0755% | 1,320 |
| Efficiency ratio | 69.5957% | 2,381 |
| Assets per employee ($millions) | 6.2390% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6727% | 4,991 |
| Loan loss allowance to noncurrent loans | 245.0834% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 3,725 |
| Noncurrent loans to loans | 0.2745% | 3,731 |
| Net loans and leases to total assets | 82.4930% | 654 |
| Net loans and leases to deposits | 103.7539% | 538 |
| Net loans and leases to core deposits | 114.1920% | 785 |
| Total domestic deposits to total assets | 79.5083% | 4,347 |
| Equity capital to assets | 11.4019% | 2,265 |
| Core capital (leverage) ratio | 11.6031% | 1,980 |
| Tier 1 risk-based capital ratio | 17.8322% | 1,849 |
| Total risk-based capital ratio | 18.7427% | 1,893 |
| Memoranda: | ||
| Average total assets | $8,377,241,670 | 155 |
| Average earning assets | $8,104,060,330 | 147 |
| Average equity | $939,092,330 | 166 |
| Average total loans | $6,933,307,330 | 142 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6026% | 4,701 |
| Cost of funding earning assets | 0.6374% | 1,794 |
| Net interest margin | 2.9652% | 4,926 |
| Noninterest income to average assets | 0.4299% | 3,245 |
| Noninterest expense to average assets | 2.3720% | 4,013 |
| Loan and lease loss provision to assets | 0.0918% | 1,977 |
| Net operating income to assets | 0.6603% | 4,241 |
| Return on assets (ROA) | 0.6606% | 4,248 |
| Pretax return on assets | 0.8350% | 4,069 |
| Return on Equity (ROE) | 5.9438% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.9438% | 2,732 |
| Net charge-offs to loans | 0.0547% | 1,562 |
| Credit loss provision to net charge-offs | 202.9598% | 1,035 |
| Earnings coverage of net charge-offs (x) | 20.4915% | 1,468 |
| Efficiency ratio | 71.7506% | 2,227 |
| Assets per employee ($millions) | 6.2890% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6597% | 5,096 |
| Loan loss allowance to noncurrent loans | 233.4760% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 3,813 |
| Noncurrent loans to loans | 0.2825% | 3,759 |
| Net loans and leases to total assets | 81.6979% | 698 |
| Net loans and leases to deposits | 103.1695% | 525 |
| Net loans and leases to core deposits | 113.0613% | 840 |
| Total domestic deposits to total assets | 79.1880% | 4,549 |
| Equity capital to assets | 11.0899% | 2,497 |
| Core capital (leverage) ratio | 11.5685% | 1,961 |
| Tier 1 risk-based capital ratio | 17.9086% | 1,863 |
| Total risk-based capital ratio | 18.8116% | 1,912 |
| Memoranda: | ||
| Average total assets | $8,370,148,000 | 155 |
| Average earning assets | $8,097,429,000 | 145 |
| Average equity | $930,248,000 | 166 |
| Average total loans | $6,915,350,000 | 139 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5303% | 4,736 |
| Cost of funding earning assets | 0.5786% | 1,754 |
| Net interest margin | 2.9517% | 4,976 |
| Noninterest income to average assets | 0.4642% | 3,223 |
| Noninterest expense to average assets | 2.3910% | 4,103 |
| Loan and lease loss provision to assets | 0.0887% | 2,415 |
| Net operating income to assets | 0.5566% | 4,204 |
| Return on assets (ROA) | 0.6509% | 3,854 |
| Pretax return on assets | 0.9788% | 3,648 |
| Return on Equity (ROE) | 5.8493% | 3,825 |
| Retained earnings to average equity (ytd only) | 5.8493% | 1,626 |
| Net charge-offs to loans | 0.0554% | 2,698 |
| Credit loss provision to net charge-offs | 193.4959% | 1,406 |
| Earnings coverage of net charge-offs (x) | 20.2122% | 1,982 |
| Efficiency ratio | 71.9220% | 2,236 |
| Assets per employee ($millions) | 6.2175% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6514% | 5,154 |
| Loan loss allowance to noncurrent loans | 217.3500% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 3,773 |
| Noncurrent loans to loans | 0.2997% | 3,705 |
| Net loans and leases to total assets | 82.4642% | 616 |
| Net loans and leases to deposits | 104.8063% | 455 |
| Net loans and leases to core deposits | 113.7623% | 809 |
| Total domestic deposits to total assets | 78.6825% | 4,609 |
| Equity capital to assets | 11.1383% | 2,498 |
| Core capital (leverage) ratio | 11.5920% | 1,874 |
| Tier 1 risk-based capital ratio | 17.8128% | 1,857 |
| Total risk-based capital ratio | 18.7020% | 1,913 |
| Memoranda: | ||
| Average total assets | $8,048,181,200 | 152 |
| Average earning assets | $7,780,556,200 | 145 |
| Average equity | $895,644,600 | 163 |
| Average total loans | $6,666,431,800 | 133 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5159% | 4,774 |
| Cost of funding earning assets | 0.5715% | 1,732 |
| Net interest margin | 2.9445% | 5,028 |
| Noninterest income to average assets | 0.4489% | 3,341 |
| Noninterest expense to average assets | 2.3982% | 4,026 |
| Loan and lease loss provision to assets | 0.0993% | 2,124 |
| Net operating income to assets | 0.5468% | 4,587 |
| Return on assets (ROA) | 0.6734% | 4,163 |
| Pretax return on assets | 0.9844% | 3,746 |
| Return on Equity (ROE) | 6.0528% | 4,100 |
| Retained earnings to average equity (ytd only) | 6.0528% | 2,195 |
| Net charge-offs to loans | 0.0491% | 2,451 |
| Credit loss provision to net charge-offs | 244.4536% | 1,152 |
| Earnings coverage of net charge-offs (x) | 22.0871% | 1,885 |
| Efficiency ratio | 72.6221% | 2,113 |
| Assets per employee ($millions) | 6.1056% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 5,217 |
| Loan loss allowance to noncurrent loans | 204.1545% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 3,833 |
| Noncurrent loans to loans | 0.3253% | 3,781 |
| Net loans and leases to total assets | 82.6014% | 589 |
| Net loans and leases to deposits | 106.2890% | 405 |
| Net loans and leases to core deposits | 114.9444% | 788 |
| Total domestic deposits to total assets | 77.7140% | 4,769 |
| Equity capital to assets | 11.2612% | 2,607 |
| Core capital (leverage) ratio | 11.5014% | 2,019 |
| Tier 1 risk-based capital ratio | 17.8832% | 1,884 |
| Total risk-based capital ratio | 18.7868% | 1,943 |
| Memoranda: | ||
| Average total assets | $7,986,682,750 | 153 |
| Average earning assets | $7,721,721,000 | 149 |
| Average equity | $888,597,500 | 164 |
| Average total loans | $6,611,896,000 | 133 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 4,819 |
| Cost of funding earning assets | 0.5586% | 1,720 |
| Net interest margin | 2.9183% | 5,063 |
| Noninterest income to average assets | 0.4621% | 3,273 |
| Noninterest expense to average assets | 2.4922% | 3,777 |
| Loan and lease loss provision to assets | 0.0894% | 2,194 |
| Net operating income to assets | 0.4804% | 4,761 |
| Return on assets (ROA) | 0.6695% | 4,043 |
| Pretax return on assets | 0.9749% | 3,661 |
| Return on Equity (ROE) | 6.0422% | 4,029 |
| Retained earnings to average equity (ytd only) | 6.0422% | 2,089 |
| Net charge-offs to loans | 0.0600% | 2,074 |
| Credit loss provision to net charge-offs | 180.4779% | 1,355 |
| Earnings coverage of net charge-offs (x) | 15.9492% | 1,998 |
| Efficiency ratio | 75.7808% | 1,752 |
| Assets per employee ($millions) | 5.9733% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6438% | 5,316 |
| Loan loss allowance to noncurrent loans | 171.7179% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 3,724 |
| Noncurrent loans to loans | 0.3749% | 3,683 |
| Net loans and leases to total assets | 81.8301% | 689 |
| Net loans and leases to deposits | 104.4241% | 471 |
| Net loans and leases to core deposits | 112.2443% | 896 |
| Total domestic deposits to total assets | 78.3632% | 4,753 |
| Equity capital to assets | 11.0777% | 2,726 |
| Core capital (leverage) ratio | 11.3059% | 2,122 |
| Tier 1 risk-based capital ratio | 17.8577% | 1,900 |
| Total risk-based capital ratio | 18.7349% | 1,969 |
| Memoranda: | ||
| Average total assets | $7,938,043,000 | 154 |
| Average earning assets | $7,672,083,330 | 148 |
| Average equity | $879,519,330 | 165 |
| Average total loans | $6,561,676,330 | 131 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4268% | 4,882 |
| Cost of funding earning assets | 0.5352% | 1,822 |
| Net interest margin | 2.8916% | 5,100 |
| Noninterest income to average assets | 0.4457% | 3,337 |
| Noninterest expense to average assets | 2.6755% | 3,238 |
| Loan and lease loss provision to assets | 0.0840% | 2,132 |
| Net operating income to assets | 0.3411% | 5,099 |
| Return on assets (ROA) | 0.7182% | 3,665 |
| Pretax return on assets | 1.0196% | 3,288 |
| Return on Equity (ROE) | 6.4814% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.4814% | 2,092 |
| Net charge-offs to loans | 0.0780% | 1,556 |
| Credit loss provision to net charge-offs | 130.1262% | 1,313 |
| Earnings coverage of net charge-offs (x) | 8.7492% | 2,036 |
| Efficiency ratio | 82.4404% | 1,117 |
| Assets per employee ($millions) | 6.0990% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6313% | 5,429 |
| Loan loss allowance to noncurrent loans | 180.0862% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 3,885 |
| Noncurrent loans to loans | 0.3506% | 3,843 |
| Net loans and leases to total assets | 81.3120% | 654 |
| Net loans and leases to deposits | 104.0122% | 400 |
| Net loans and leases to core deposits | 111.5092% | 797 |
| Total domestic deposits to total assets | 78.1754% | 4,949 |
| Equity capital to assets | 10.9656% | 2,664 |
| Core capital (leverage) ratio | 11.5830% | 1,889 |
| Tier 1 risk-based capital ratio | 17.8990% | 1,908 |
| Total risk-based capital ratio | 18.7653% | 1,982 |
| Memoranda: | ||
| Average total assets | $7,854,151,000 | 156 |
| Average earning assets | $7,591,496,000 | 148 |
| Average equity | $870,308,500 | 165 |
| Average total loans | $6,504,520,000 | 132 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3622% | 5,053 |
| Cost of funding earning assets | 0.5151% | 1,979 |
| Net interest margin | 2.8471% | 5,209 |
| Noninterest income to average assets | 0.4669% | 3,435 |
| Noninterest expense to average assets | 2.3077% | 4,541 |
| Loan and lease loss provision to assets | 0.0718% | 2,923 |
| Net operating income to assets | 0.5806% | 4,293 |
| Return on assets (ROA) | 0.5879% | 4,370 |
| Pretax return on assets | 0.8507% | 4,011 |
| Return on Equity (ROE) | 5.3171% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.3171% | 2,118 |
| Net charge-offs to loans | 0.0608% | 2,841 |
| Credit loss provision to net charge-offs | 143.4316% | 1,912 |
| Earnings coverage of net charge-offs (x) | 18.2118% | 1,982 |
| Efficiency ratio | 71.6744% | 2,637 |
| Assets per employee ($millions) | 5.9961% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6477% | 5,453 |
| Loan loss allowance to noncurrent loans | 162.3706% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 3,711 |
| Noncurrent loans to loans | 0.3989% | 3,719 |
| Net loans and leases to total assets | 83.3213% | 448 |
| Net loans and leases to deposits | 106.3971% | 329 |
| Net loans and leases to core deposits | 112.6066% | 750 |
| Total domestic deposits to total assets | 78.3117% | 4,929 |
| Equity capital to assets | 11.2032% | 2,415 |
| Core capital (leverage) ratio | 11.6695% | 1,815 |
| Tier 1 risk-based capital ratio | 17.9451% | 1,862 |
| Total risk-based capital ratio | 18.8376% | 1,939 |
| Memoranda: | ||
| Average total assets | $7,448,611,000 | 154 |
| Average earning assets | $7,201,721,400 | 145 |
| Average equity | $823,534,000 | 163 |
| Average total loans | $6,139,022,000 | 129 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3445% | 5,135 |
| Cost of funding earning assets | 0.5144% | 1,982 |
| Net interest margin | 2.8301% | 5,304 |
| Noninterest income to average assets | 0.4675% | 3,442 |
| Noninterest expense to average assets | 2.3122% | 4,503 |
| Loan and lease loss provision to assets | 0.0612% | 3,015 |
| Net operating income to assets | 0.5766% | 4,382 |
| Return on assets (ROA) | 0.5851% | 4,466 |
| Pretax return on assets | 0.8434% | 4,178 |
| Return on Equity (ROE) | 5.3100% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.3100% | 2,616 |
| Net charge-offs to loans | 0.0586% | 2,517 |
| Credit loss provision to net charge-offs | 127.3885% | 1,999 |
| Earnings coverage of net charge-offs (x) | 18.5695% | 1,987 |
| Efficiency ratio | 72.1546% | 2,559 |
| Assets per employee ($millions) | 5.8025% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6507% | 5,526 |
| Loan loss allowance to noncurrent loans | 150.4513% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 3,879 |
| Noncurrent loans to loans | 0.4325% | 3,733 |
| Net loans and leases to total assets | 82.3689% | 567 |
| Net loans and leases to deposits | 106.1007% | 373 |
| Net loans and leases to core deposits | 112.5934% | 777 |
| Total domestic deposits to total assets | 77.6328% | 4,976 |
| Equity capital to assets | 11.2498% | 2,745 |
| Core capital (leverage) ratio | 11.5977% | 1,960 |
| Tier 1 risk-based capital ratio | 18.0743% | 1,896 |
| Total risk-based capital ratio | 18.9655% | 1,958 |
| Memoranda: | ||
| Average total assets | $7,405,513,750 | 154 |
| Average earning assets | $7,162,047,250 | 144 |
| Average equity | $815,969,250 | 165 |
| Average total loans | $6,075,948,500 | 130 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3385% | 5,205 |
| Cost of funding earning assets | 0.5122% | 2,007 |
| Net interest margin | 2.8263% | 5,386 |
| Noninterest income to average assets | 0.4411% | 3,583 |
| Noninterest expense to average assets | 2.3904% | 4,363 |
| Loan and lease loss provision to assets | 0.0597% | 2,945 |
| Net operating income to assets | 0.5116% | 4,631 |
| Return on assets (ROA) | 0.5245% | 4,711 |
| Pretax return on assets | 0.7418% | 4,487 |
| Return on Equity (ROE) | 4.7944% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.7944% | 2,869 |
| Net charge-offs to loans | 0.0666% | 2,238 |
| Credit loss provision to net charge-offs | 109.6163% | 1,965 |
| Earnings coverage of net charge-offs (x) | 14.3842% | 2,061 |
| Efficiency ratio | 75.3193% | 2,176 |
| Assets per employee ($millions) | 5.6918% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6533% | 5,604 |
| Loan loss allowance to noncurrent loans | 157.7699% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 3,988 |
| Noncurrent loans to loans | 0.4141% | 3,870 |
| Net loans and leases to total assets | 82.4038% | 584 |
| Net loans and leases to deposits | 105.2503% | 395 |
| Net loans and leases to core deposits | 111.3446% | 859 |
| Total domestic deposits to total assets | 78.2931% | 4,942 |
| Equity capital to assets | 11.0136% | 3,045 |
| Core capital (leverage) ratio | 11.4320% | 2,041 |
| Tier 1 risk-based capital ratio | 17.8373% | 1,979 |
| Total risk-based capital ratio | 18.7194% | 2,041 |
| Memoranda: | ||
| Average total assets | $7,371,206,000 | 154 |
| Average earning assets | $7,126,694,670 | 143 |
| Average equity | $806,396,670 | 164 |
| Average total loans | $6,026,222,000 | 131 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3171% | 5,285 |
| Cost of funding earning assets | 0.5037% | 2,078 |
| Net interest margin | 2.8134% | 5,453 |
| Noninterest income to average assets | 0.4189% | 3,688 |
| Noninterest expense to average assets | 2.3955% | 4,387 |
| Loan and lease loss provision to assets | 0.0814% | 2,325 |
| Net operating income to assets | 0.4770% | 4,718 |
| Return on assets (ROA) | 0.5032% | 4,717 |
| Pretax return on assets | 0.6992% | 4,532 |
| Return on Equity (ROE) | 4.6150% | 4,654 |
| Retained earnings to average equity (ytd only) | 4.6150% | 3,167 |
| Net charge-offs to loans | 0.0565% | 1,952 |
| Credit loss provision to net charge-offs | 177.5148% | 1,165 |
| Earnings coverage of net charge-offs (x) | 16.2260% | 1,630 |
| Efficiency ratio | 76.2945% | 2,137 |
| Assets per employee ($millions) | 5.7284% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6743% | 5,642 |
| Loan loss allowance to noncurrent loans | 159.1976% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 4,097 |
| Noncurrent loans to loans | 0.4236% | 3,924 |
| Net loans and leases to total assets | 80.5951% | 729 |
| Net loans and leases to deposits | 102.9072% | 468 |
| Net loans and leases to core deposits | 108.7165% | 932 |
| Total domestic deposits to total assets | 78.3182% | 5,084 |
| Equity capital to assets | 10.9165% | 3,031 |
| Core capital (leverage) ratio | 11.4041% | 2,049 |
| Tier 1 risk-based capital ratio | 18.0299% | 1,976 |
| Total risk-based capital ratio | 18.9399% | 2,040 |
| Memoranda: | ||
| Average total assets | $7,368,526,500 | 157 |
| Average earning assets | $7,126,244,000 | 145 |
| Average equity | $803,383,500 | 165 |
| Average total loans | $5,980,063,500 | 131 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3138% | 5,324 |
| Cost of funding earning assets | 0.5038% | 2,126 |
| Net interest margin | 2.8099% | 5,492 |
| Noninterest income to average assets | 0.4783% | 3,474 |
| Noninterest expense to average assets | 2.2998% | 4,786 |
| Loan and lease loss provision to assets | 0.0615% | 3,072 |
| Net operating income to assets | 0.5842% | 4,359 |
| Return on assets (ROA) | 0.5846% | 4,450 |
| Pretax return on assets | 0.8283% | 4,107 |
| Return on Equity (ROE) | 5.3673% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.3673% | 2,160 |
| Net charge-offs to loans | 0.0573% | 3,076 |
| Credit loss provision to net charge-offs | 132.0528% | 1,983 |
| Earnings coverage of net charge-offs (x) | 19.1038% | 1,971 |
| Efficiency ratio | 72.1164% | 2,892 |
| Assets per employee ($millions) | 5.6562% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6670% | 5,697 |
| Loan loss allowance to noncurrent loans | 152.8688% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 4,076 |
| Noncurrent loans to loans | 0.4363% | 3,902 |
| Net loans and leases to total assets | 80.6302% | 755 |
| Net loans and leases to deposits | 102.2381% | 532 |
| Net loans and leases to core deposits | 108.2260% | 954 |
| Total domestic deposits to total assets | 78.8651% | 5,004 |
| Equity capital to assets | 10.8893% | 2,946 |
| Core capital (leverage) ratio | 11.3713% | 2,066 |
| Tier 1 risk-based capital ratio | 18.1259% | 1,929 |
| Total risk-based capital ratio | 19.0366% | 1,973 |
| Memoranda: | ||
| Average total assets | $7,158,534,400 | 150 |
| Average earning assets | $6,905,705,400 | 138 |
| Average equity | $779,710,200 | 159 |
| Average total loans | $5,812,058,800 | 127 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3195% | 5,371 |
| Cost of funding earning assets | 0.4994% | 2,214 |
| Net interest margin | 2.8201% | 5,548 |
| Noninterest income to average assets | 0.4462% | 3,750 |
| Noninterest expense to average assets | 2.2783% | 4,835 |
| Loan and lease loss provision to assets | 0.0694% | 2,788 |
| Net operating income to assets | 0.6132% | 4,312 |
| Return on assets (ROA) | 0.6140% | 4,420 |
| Pretax return on assets | 0.8183% | 4,283 |
| Return on Equity (ROE) | 5.6365% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.6365% | 2,498 |
| Net charge-offs to loans | 0.0602% | 2,737 |
| Credit loss provision to net charge-offs | 141.9800% | 1,754 |
| Earnings coverage of net charge-offs (x) | 18.1474% | 2,014 |
| Efficiency ratio | 71.9846% | 2,886 |
| Assets per employee ($millions) | 5.6095% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6711% | 5,788 |
| Loan loss allowance to noncurrent loans | 145.2648% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 4,139 |
| Noncurrent loans to loans | 0.4620% | 3,975 |
| Net loans and leases to total assets | 81.7348% | 606 |
| Net loans and leases to deposits | 104.6858% | 419 |
| Net loans and leases to core deposits | 111.0031% | 820 |
| Total domestic deposits to total assets | 78.0763% | 5,168 |
| Equity capital to assets | 10.9619% | 3,070 |
| Core capital (leverage) ratio | 11.4624% | 2,065 |
| Tier 1 risk-based capital ratio | 18.3348% | 1,945 |
| Total risk-based capital ratio | 19.2588% | 1,994 |
| Memoranda: | ||
| Average total assets | $7,111,329,750 | 151 |
| Average earning assets | $6,855,809,500 | 141 |
| Average equity | $774,619,250 | 162 |
| Average total loans | $5,774,083,500 | 130 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3050% | 5,427 |
| Cost of funding earning assets | 0.4885% | 2,367 |
| Net interest margin | 2.8164% | 5,581 |
| Noninterest income to average assets | 0.4405% | 3,771 |
| Noninterest expense to average assets | 2.3112% | 4,817 |
| Loan and lease loss provision to assets | 0.0819% | 2,472 |
| Net operating income to assets | 0.5773% | 4,438 |
| Return on assets (ROA) | 0.5787% | 4,533 |
| Pretax return on assets | 0.7632% | 4,442 |
| Return on Equity (ROE) | 5.3239% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.3239% | 2,656 |
| Net charge-offs to loans | 0.0597% | 2,533 |
| Credit loss provision to net charge-offs | 169.6899% | 1,411 |
| Earnings coverage of net charge-offs (x) | 17.4664% | 1,853 |
| Efficiency ratio | 73.2661% | 2,790 |
| Assets per employee ($millions) | 5.5233% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 5,856 |
| Loan loss allowance to noncurrent loans | 120.0680% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 3,977 |
| Noncurrent loans to loans | 0.5666% | 3,751 |
| Net loans and leases to total assets | 81.0640% | 662 |
| Net loans and leases to deposits | 103.7483% | 464 |
| Net loans and leases to core deposits | 112.3900% | 736 |
| Total domestic deposits to total assets | 78.1353% | 5,254 |
| Equity capital to assets | 10.9300% | 2,960 |
| Core capital (leverage) ratio | 11.4417% | 2,041 |
| Tier 1 risk-based capital ratio | 17.8727% | 2,104 |
| Total risk-based capital ratio | 18.7894% | 2,160 |
| Memoranda: | ||
| Average total assets | $7,079,029,670 | 153 |
| Average earning assets | $6,821,628,670 | 140 |
| Average equity | $769,438,330 | 163 |
| Average total loans | $5,721,633,670 | 131 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2887% | 5,475 |
| Cost of funding earning assets | 0.4795% | 2,454 |
| Net interest margin | 2.8092% | 5,620 |
| Noninterest income to average assets | 0.3952% | 4,046 |
| Noninterest expense to average assets | 2.3491% | 4,745 |
| Loan and lease loss provision to assets | 0.1068% | 1,923 |
| Net operating income to assets | 0.5048% | 4,665 |
| Return on assets (ROA) | 0.5052% | 4,778 |
| Pretax return on assets | 0.6452% | 4,782 |
| Return on Equity (ROE) | 4.6611% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.6611% | 3,228 |
| Net charge-offs to loans | 0.0050% | 3,149 |
| Credit loss provision to net charge-offs | 2,678.5714% | 148 |
| Earnings coverage of net charge-offs (x) | 188.5714% | 296 |
| Efficiency ratio | 75.7620% | 2,547 |
| Assets per employee ($millions) | 5.3497% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7077% | 5,892 |
| Loan loss allowance to noncurrent loans | 142.0233% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.4300% | 4,316 |
| Noncurrent loans to loans | 0.4983% | 4,084 |
| Net loans and leases to total assets | 80.4378% | 642 |
| Net loans and leases to deposits | 102.7481% | 427 |
| Net loans and leases to core deposits | 110.4671% | 727 |
| Total domestic deposits to total assets | 78.2864% | 5,398 |
| Equity capital to assets | 10.8368% | 3,157 |
| Core capital (leverage) ratio | 11.4837% | 2,009 |
| Tier 1 risk-based capital ratio | 18.1007% | 2,105 |
| Total risk-based capital ratio | 19.0549% | 2,154 |
| Memoranda: | ||
| Average total assets | $7,025,629,500 | 152 |
| Average earning assets | $6,766,172,000 | 137 |
| Average equity | $761,451,000 | 161 |
| Average total loans | $5,649,939,000 | 131 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3054% | 5,696 |
| Cost of funding earning assets | 0.4616% | 3,058 |
| Net interest margin | 2.8439% | 5,739 |
| Noninterest income to average assets | 0.3919% | 4,254 |
| Noninterest expense to average assets | 2.3049% | 5,102 |
| Loan and lease loss provision to assets | 0.1046% | 2,408 |
| Net operating income to assets | 0.5261% | 4,698 |
| Return on assets (ROA) | 0.5383% | 4,732 |
| Pretax return on assets | 0.7331% | 4,499 |
| Return on Equity (ROE) | 4.8812% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.8812% | 2,692 |
| Net charge-offs to loans | 0.1510% | 2,525 |
| Credit loss provision to net charge-offs | 88.0282% | 2,683 |
| Earnings coverage of net charge-offs (x) | 6.9108% | 3,125 |
| Efficiency ratio | 73.7358% | 2,875 |
| Assets per employee ($millions) | 5.2911% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6944% | 6,001 |
| Loan loss allowance to noncurrent loans | 141.1023% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 4,411 |
| Noncurrent loans to loans | 0.4921% | 4,182 |
| Net loans and leases to total assets | 79.2656% | 847 |
| Net loans and leases to deposits | 101.3538% | 547 |
| Net loans and leases to core deposits | 104.8922% | 1,081 |
| Total domestic deposits to total assets | 78.2068% | 5,394 |
| Equity capital to assets | 10.8396% | 3,071 |
| Core capital (leverage) ratio | 11.2616% | 2,169 |
| Tier 1 risk-based capital ratio | 17.4875% | 2,321 |
| Total risk-based capital ratio | 18.3819% | 2,423 |
| Memoranda: | ||
| Average total assets | $6,813,204,600 | 149 |
| Average earning assets | $6,549,954,200 | 137 |
| Average equity | $751,352,200 | 161 |
| Average total loans | $5,360,160,400 | 132 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3071% | 5,755 |
| Cost of funding earning assets | 0.4533% | 3,206 |
| Net interest margin | 2.8538% | 5,787 |
| Noninterest income to average assets | 0.3957% | 4,282 |
| Noninterest expense to average assets | 2.2712% | 5,175 |
| Loan and lease loss provision to assets | 0.1108% | 2,197 |
| Net operating income to assets | 0.5471% | 4,686 |
| Return on assets (ROA) | 0.5595% | 4,708 |
| Pretax return on assets | 0.7738% | 4,457 |
| Return on Equity (ROE) | 5.0516% | 4,695 |
| Retained earnings to average equity (ytd only) | 5.0516% | 3,049 |
| Net charge-offs to loans | 0.1590% | 2,214 |
| Credit loss provision to net charge-offs | 88.8626% | 2,452 |
| Earnings coverage of net charge-offs (x) | 6.9581% | 2,996 |
| Efficiency ratio | 72.3641% | 3,117 |
| Assets per employee ($millions) | 5.1933% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7150% | 6,071 |
| Loan loss allowance to noncurrent loans | 139.1730% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 4,553 |
| Noncurrent loans to loans | 0.5138% | 4,394 |
| Net loans and leases to total assets | 79.9140% | 720 |
| Net loans and leases to deposits | 102.0113% | 500 |
| Net loans and leases to core deposits | 104.8597% | 1,040 |
| Total domestic deposits to total assets | 78.3383% | 5,461 |
| Equity capital to assets | 11.2563% | 2,698 |
| Core capital (leverage) ratio | 11.5112% | 2,054 |
| Tier 1 risk-based capital ratio | 17.5690% | 2,372 |
| Total risk-based capital ratio | 18.4835% | 2,469 |
| Memoranda: | ||
| Average total assets | $6,770,427,750 | 148 |
| Average earning assets | $6,507,330,250 | 139 |
| Average equity | $749,923,250 | 159 |
| Average total loans | $5,306,484,000 | 133 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2888% | 5,812 |
| Cost of funding earning assets | 0.4398% | 3,444 |
| Net interest margin | 2.8491% | 5,819 |
| Noninterest income to average assets | 0.3854% | 4,359 |
| Noninterest expense to average assets | 2.2547% | 5,272 |
| Loan and lease loss provision to assets | 0.1108% | 2,176 |
| Net operating income to assets | 0.5443% | 4,627 |
| Return on assets (ROA) | 0.5626% | 4,634 |
| Pretax return on assets | 0.7821% | 4,343 |
| Return on Equity (ROE) | 5.1067% | 4,626 |
| Retained earnings to average equity (ytd only) | 5.1067% | 2,892 |
| Net charge-offs to loans | 0.1700% | 2,035 |
| Credit loss provision to net charge-offs | 83.8926% | 2,279 |
| Earnings coverage of net charge-offs (x) | 6.5694% | 2,753 |
| Efficiency ratio | 72.2146% | 3,290 |
| Assets per employee ($millions) | 5.1968% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7286% | 6,129 |
| Loan loss allowance to noncurrent loans | 117.8041% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 4,388 |
| Noncurrent loans to loans | 0.6185% | 4,168 |
| Net loans and leases to total assets | 78.2681% | 882 |
| Net loans and leases to deposits | 98.4397% | 638 |
| Net loans and leases to core deposits | 101.0829% | 1,201 |
| Total domestic deposits to total assets | 79.5087% | 5,346 |
| Equity capital to assets | 11.1505% | 2,733 |
| Core capital (leverage) ratio | 11.3540% | 2,112 |
| Tier 1 risk-based capital ratio | 17.5915% | 2,387 |
| Total risk-based capital ratio | 18.5155% | 2,469 |
| Memoranda: | ||
| Average total assets | $6,769,862,670 | 146 |
| Average earning assets | $6,503,131,330 | 138 |
| Average equity | $745,801,330 | 160 |
| Average total loans | $5,258,363,670 | 132 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2717% | 5,898 |
| Cost of funding earning assets | 0.4228% | 3,733 |
| Net interest margin | 2.8489% | 5,849 |
| Noninterest income to average assets | 0.3947% | 4,229 |
| Noninterest expense to average assets | 2.2403% | 5,357 |
| Loan and lease loss provision to assets | 0.1109% | 2,093 |
| Net operating income to assets | 0.5651% | 4,387 |
| Return on assets (ROA) | 0.5757% | 4,388 |
| Pretax return on assets | 0.7962% | 4,128 |
| Return on Equity (ROE) | 5.2579% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.2579% | 2,954 |
| Net charge-offs to loans | 0.0625% | 2,537 |
| Credit loss provision to net charge-offs | 230.0613% | 951 |
| Earnings coverage of net charge-offs (x) | 18.5153% | 1,412 |
| Efficiency ratio | 71.5133% | 3,574 |
| Assets per employee ($millions) | 5.2552% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7797% | 6,146 |
| Loan loss allowance to noncurrent loans | 114.0605% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 4,409 |
| Noncurrent loans to loans | 0.6836% | 4,158 |
| Net loans and leases to total assets | 76.0624% | 997 |
| Net loans and leases to deposits | 94.4324% | 749 |
| Net loans and leases to core deposits | 96.8001% | 1,321 |
| Total domestic deposits to total assets | 80.5469% | 5,372 |
| Equity capital to assets | 10.9392% | 2,777 |
| Core capital (leverage) ratio | 11.1688% | 2,249 |
| Tier 1 risk-based capital ratio | 17.7884% | 2,382 |
| Total risk-based capital ratio | 18.7708% | 2,445 |
| Memoranda: | ||
| Average total assets | $6,763,862,000 | 146 |
| Average earning assets | $6,500,538,500 | 138 |
| Average equity | $740,595,500 | 160 |
| Average total loans | $5,214,047,500 | 133 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4231% | 5,792 |
| Cost of funding earning assets | 0.4580% | 4,042 |
| Net interest margin | 2.9651% | 5,654 |
| Noninterest income to average assets | 0.4863% | 3,846 |
| Noninterest expense to average assets | 2.3637% | 5,188 |
| Loan and lease loss provision to assets | 0.0791% | 3,524 |
| Net operating income to assets | 0.6349% | 4,094 |
| Return on assets (ROA) | 0.6569% | 4,104 |
| Pretax return on assets | 0.9163% | 3,691 |
| Return on Equity (ROE) | 6.2075% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.2075% | 1,843 |
| Net charge-offs to loans | 0.1834% | 3,007 |
| Credit loss provision to net charge-offs | 55.2587% | 3,696 |
| Earnings coverage of net charge-offs (x) | 6.7421% | 2,994 |
| Efficiency ratio | 71.0112% | 3,666 |
| Assets per employee ($millions) | 5.1948% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 6,247 |
| Loan loss allowance to noncurrent loans | 108.2322% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 4,432 |
| Noncurrent loans to loans | 0.7046% | 4,210 |
| Net loans and leases to total assets | 76.9291% | 963 |
| Net loans and leases to deposits | 95.9271% | 740 |
| Net loans and leases to core deposits | 97.7536% | 1,320 |
| Total domestic deposits to total assets | 80.1953% | 5,402 |
| Equity capital to assets | 10.9595% | 2,651 |
| Core capital (leverage) ratio | 11.2000% | 2,195 |
| Tier 1 risk-based capital ratio | 17.1423% | 2,542 |
| Total risk-based capital ratio | 18.0886% | 2,645 |
| Memoranda: | ||
| Average total assets | $6,669,978,400 | 145 |
| Average earning assets | $6,393,624,400 | 139 |
| Average equity | $705,792,200 | 158 |
| Average total loans | $5,204,852,000 | 128 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4407% | 5,801 |
| Cost of funding earning assets | 0.4655% | 4,111 |
| Net interest margin | 2.9753% | 5,653 |
| Noninterest income to average assets | 0.4967% | 3,830 |
| Noninterest expense to average assets | 2.3326% | 5,240 |
| Loan and lease loss provision to assets | 0.0571% | 3,910 |
| Net operating income to assets | 0.6726% | 4,000 |
| Return on assets (ROA) | 0.7013% | 3,987 |
| Pretax return on assets | 0.9974% | 3,514 |
| Return on Equity (ROE) | 6.6872% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.6872% | 2,044 |
| Net charge-offs to loans | 0.1893% | 2,707 |
| Credit loss provision to net charge-offs | 38.5604% | 3,734 |
| Earnings coverage of net charge-offs (x) | 6.8497% | 2,896 |
| Efficiency ratio | 69.7090% | 3,804 |
| Assets per employee ($millions) | 5.1117% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 6,353 |
| Loan loss allowance to noncurrent loans | 97.9495% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6297% | 4,553 |
| Noncurrent loans to loans | 0.7760% | 4,293 |
| Net loans and leases to total assets | 77.4308% | 815 |
| Net loans and leases to deposits | 96.5511% | 653 |
| Net loans and leases to core deposits | 98.6674% | 1,190 |
| Total domestic deposits to total assets | 80.1968% | 5,459 |
| Equity capital to assets | 10.9074% | 2,852 |
| Core capital (leverage) ratio | 11.1760% | 2,324 |
| Tier 1 risk-based capital ratio | 17.7982% | 2,402 |
| Total risk-based capital ratio | 18.7844% | 2,466 |
| Memoranda: | ||
| Average total assets | $6,659,546,500 | 144 |
| Average earning assets | $6,377,958,750 | 138 |
| Average equity | $698,347,750 | 156 |
| Average total loans | $5,205,332,000 | 126 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4388% | 5,817 |
| Cost of funding earning assets | 0.4744% | 4,152 |
| Net interest margin | 2.9644% | 5,663 |
| Noninterest income to average assets | 0.5401% | 3,569 |
| Noninterest expense to average assets | 2.3275% | 5,284 |
| Loan and lease loss provision to assets | 0.0720% | 3,596 |
| Net operating income to assets | 0.6751% | 3,929 |
| Return on assets (ROA) | 0.7173% | 3,900 |
| Pretax return on assets | 1.0382% | 3,340 |
| Return on Equity (ROE) | 6.9326% | 3,638 |
| Retained earnings to average equity (ytd only) | 6.9326% | 1,914 |
| Net charge-offs to loans | 0.1516% | 2,889 |
| Credit loss provision to net charge-offs | 60.7287% | 3,003 |
| Earnings coverage of net charge-offs (x) | 8.8456% | 2,360 |
| Efficiency ratio | 68.9304% | 4,022 |
| Assets per employee ($millions) | 5.0701% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8167% | 6,326 |
| Loan loss allowance to noncurrent loans | 94.5603% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 4,364 |
| Noncurrent loans to loans | 0.8637% | 4,197 |
| Net loans and leases to total assets | 77.8154% | 773 |
| Net loans and leases to deposits | 96.8702% | 613 |
| Net loans and leases to core deposits | 98.6421% | 1,164 |
| Total domestic deposits to total assets | 80.3295% | 5,531 |
| Equity capital to assets | 10.4612% | 3,354 |
| Core capital (leverage) ratio | 11.0878% | 2,275 |
| Tier 1 risk-based capital ratio | 17.1164% | 2,673 |
| Total risk-based capital ratio | 18.1474% | 2,722 |
| Memoranda: | ||
| Average total assets | $6,664,342,670 | 144 |
| Average earning assets | $6,376,900,000 | 137 |
| Average equity | $689,525,670 | 156 |
| Average total loans | $5,212,172,330 | 126 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4570% | 5,816 |
| Cost of funding earning assets | 0.4849% | 4,240 |
| Net interest margin | 2.9721% | 5,648 |
| Noninterest income to average assets | 0.5562% | 3,394 |
| Noninterest expense to average assets | 2.3142% | 5,386 |
| Loan and lease loss provision to assets | 0.0987% | 3,035 |
| Net operating income to assets | 0.6768% | 3,800 |
| Return on assets (ROA) | 0.7204% | 3,723 |
| Pretax return on assets | 1.0530% | 3,133 |
| Return on Equity (ROE) | 7.0014% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.0014% | 2,148 |
| Net charge-offs to loans | 0.2331% | 2,042 |
| Credit loss provision to net charge-offs | 54.2050% | 2,544 |
| Earnings coverage of net charge-offs (x) | 5.9734% | 2,296 |
| Efficiency ratio | 68.0310% | 4,302 |
| Assets per employee ($millions) | 5.1711% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8203% | 6,422 |
| Loan loss allowance to noncurrent loans | 110.4060% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6691% | 4,702 |
| Noncurrent loans to loans | 0.7430% | 4,645 |
| Net loans and leases to total assets | 76.7742% | 741 |
| Net loans and leases to deposits | 95.9305% | 549 |
| Net loans and leases to core deposits | 97.6051% | 1,107 |
| Total domestic deposits to total assets | 80.0310% | 5,746 |
| Equity capital to assets | 10.3467% | 3,741 |
| Core capital (leverage) ratio | 10.6967% | 2,551 |
| Tier 1 risk-based capital ratio | 17.6911% | 2,488 |
| Total risk-based capital ratio | 18.7815% | 2,513 |
| Memoranda: | ||
| Average total assets | $6,688,242,500 | 146 |
| Average earning assets | $6,403,159,000 | 140 |
| Average equity | $688,202,500 | 160 |
| Average total loans | $5,222,715,000 | 128 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6903% | 6,070 |
| Cost of funding earning assets | 0.5917% | 4,426 |
| Net interest margin | 3.0986% | 5,817 |
| Noninterest income to average assets | 0.5412% | 3,640 |
| Noninterest expense to average assets | 2.3070% | 5,677 |
| Loan and lease loss provision to assets | 0.2230% | 2,896 |
| Net operating income to assets | 0.6920% | 3,775 |
| Return on assets (ROA) | 0.6982% | 3,998 |
| Pretax return on assets | 0.9675% | 3,667 |
| Return on Equity (ROE) | 6.8573% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.8573% | 1,636 |
| Net charge-offs to loans | 0.2003% | 3,775 |
| Credit loss provision to net charge-offs | 140.8792% | 1,951 |
| Earnings coverage of net charge-offs (x) | 7.4674% | 2,594 |
| Efficiency ratio | 66.1255% | 4,479 |
| Assets per employee ($millions) | 5.1622% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8359% | 6,417 |
| Loan loss allowance to noncurrent loans | 98.5735% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 4,731 |
| Noncurrent loans to loans | 0.8480% | 4,490 |
| Net loans and leases to total assets | 78.1111% | 660 |
| Net loans and leases to deposits | 98.2707% | 493 |
| Net loans and leases to core deposits | 99.9668% | 1,032 |
| Total domestic deposits to total assets | 79.4856% | 5,787 |
| Equity capital to assets | 10.2325% | 3,851 |
| Core capital (leverage) ratio | 10.5624% | 2,691 |
| Tier 1 risk-based capital ratio | 17.4668% | 2,463 |
| Total risk-based capital ratio | 18.5929% | 2,483 |
| Memoranda: | ||
| Average total assets | $6,525,676,400 | 146 |
| Average earning assets | $6,207,874,200 | 141 |
| Average equity | $664,474,000 | 159 |
| Average total loans | $5,156,281,200 | 127 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7343% | 6,158 |
| Cost of funding earning assets | 0.6088% | 4,553 |
| Net interest margin | 3.1256% | 5,883 |
| Noninterest income to average assets | 0.4921% | 3,973 |
| Noninterest expense to average assets | 2.2940% | 5,694 |
| Loan and lease loss provision to assets | 0.2363% | 2,688 |
| Net operating income to assets | 0.6778% | 4,014 |
| Return on assets (ROA) | 0.6829% | 4,252 |
| Pretax return on assets | 0.9375% | 3,968 |
| Return on Equity (ROE) | 6.7154% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.7154% | 2,273 |
| Net charge-offs to loans | 0.2245% | 3,373 |
| Credit loss provision to net charge-offs | 133.1327% | 2,173 |
| Earnings coverage of net charge-offs (x) | 6.5740% | 2,761 |
| Efficiency ratio | 66.2835% | 4,399 |
| Assets per employee ($millions) | 5.1260% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 6,587 |
| Loan loss allowance to noncurrent loans | 103.1210% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 4,915 |
| Noncurrent loans to loans | 0.7812% | 4,848 |
| Net loans and leases to total assets | 79.5526% | 549 |
| Net loans and leases to deposits | 101.9755% | 348 |
| Net loans and leases to core deposits | 104.0544% | 862 |
| Total domestic deposits to total assets | 78.0114% | 6,073 |
| Equity capital to assets | 10.3456% | 4,023 |
| Core capital (leverage) ratio | 10.5257% | 2,881 |
| Tier 1 risk-based capital ratio | 16.9289% | 2,770 |
| Total risk-based capital ratio | 18.0038% | 2,828 |
| Memoranda: | ||
| Average total assets | $6,488,408,500 | 146 |
| Average earning assets | $6,163,036,500 | 141 |
| Average equity | $659,844,000 | 161 |
| Average total loans | $5,130,934,250 | 125 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 6,238 |
| Cost of funding earning assets | 0.6135% | 4,777 |
| Net interest margin | 3.1427% | 5,881 |
| Noninterest income to average assets | 0.4264% | 4,461 |
| Noninterest expense to average assets | 2.2911% | 5,767 |
| Loan and lease loss provision to assets | 0.2402% | 2,662 |
| Net operating income to assets | 0.6189% | 4,285 |
| Return on assets (ROA) | 0.6125% | 4,567 |
| Pretax return on assets | 0.8628% | 4,221 |
| Return on Equity (ROE) | 6.0586% | 4,296 |
| Retained earnings to average equity (ytd only) | 6.0586% | 2,677 |
| Net charge-offs to loans | 0.2641% | 2,999 |
| Credit loss provision to net charge-offs | 115.5681% | 2,376 |
| Earnings coverage of net charge-offs (x) | 5.3510% | 2,854 |
| Efficiency ratio | 67.3238% | 4,270 |
| Assets per employee ($millions) | 5.1185% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 6,713 |
| Loan loss allowance to noncurrent loans | 97.7183% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 4,898 |
| Noncurrent loans to loans | 0.7995% | 4,910 |
| Net loans and leases to total assets | 78.9700% | 621 |
| Net loans and leases to deposits | 100.1092% | 412 |
| Net loans and leases to core deposits | 102.2037% | 971 |
| Total domestic deposits to total assets | 78.8839% | 5,980 |
| Equity capital to assets | 10.1101% | 4,176 |
| Core capital (leverage) ratio | 10.3774% | 2,954 |
| Tier 1 risk-based capital ratio | 16.2619% | 3,024 |
| Total risk-based capital ratio | 17.2736% | 3,128 |
| Memoranda: | ||
| Average total assets | $6,453,854,000 | 148 |
| Average earning assets | $6,112,949,330 | 140 |
| Average equity | $652,462,330 | 160 |
| Average total loans | $5,078,994,330 | 124 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 6,072 |
| Cost of funding earning assets | 0.6209% | 4,956 |
| Net interest margin | 3.2587% | 5,612 |
| Noninterest income to average assets | 0.3967% | 4,700 |
| Noninterest expense to average assets | 2.3859% | 5,518 |
| Loan and lease loss provision to assets | 0.2343% | 2,599 |
| Net operating income to assets | 0.6084% | 4,305 |
| Return on assets (ROA) | 0.5777% | 4,677 |
| Pretax return on assets | 0.8086% | 4,381 |
| Return on Equity (ROE) | 5.7141% | 4,454 |
| Retained earnings to average equity (ytd only) | 5.7141% | 3,141 |
| Net charge-offs to loans | 0.3094% | 2,420 |
| Credit loss provision to net charge-offs | 96.7742% | 2,426 |
| Earnings coverage of net charge-offs (x) | 4.4865% | 2,562 |
| Efficiency ratio | 68.7168% | 4,033 |
| Assets per employee ($millions) | 5.1631% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 6,768 |
| Loan loss allowance to noncurrent loans | 94.5901% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.7592% | 5,033 |
| Noncurrent loans to loans | 0.8283% | 5,015 |
| Net loans and leases to total assets | 77.7095% | 618 |
| Net loans and leases to deposits | 98.0556% | 441 |
| Net loans and leases to core deposits | 99.8551% | 998 |
| Total domestic deposits to total assets | 79.2505% | 6,025 |
| Equity capital to assets | 10.1356% | 3,937 |
| Core capital (leverage) ratio | 10.3794% | 2,896 |
| Tier 1 risk-based capital ratio | 16.8508% | 2,738 |
| Total risk-based capital ratio | 17.8815% | 2,807 |
| Memoranda: | ||
| Average total assets | $6,402,350,500 | 149 |
| Average earning assets | $6,041,971,500 | 139 |
| Average equity | $647,240,000 | 160 |
| Average total loans | $5,009,130,000 | 125 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9281% | 6,576 |
| Cost of funding earning assets | 0.6838% | 5,638 |
| Net interest margin | 3.2443% | 5,974 |
| Noninterest income to average assets | 0.3894% | 4,708 |
| Noninterest expense to average assets | 2.2550% | 6,156 |
| Loan and lease loss provision to assets | 0.3189% | 3,133 |
| Net operating income to assets | 0.6483% | 3,743 |
| Return on assets (ROA) | 0.6958% | 3,698 |
| Pretax return on assets | 0.9784% | 3,323 |
| Return on Equity (ROE) | 6.8550% | 3,463 |
| Retained earnings to average equity (ytd only) | 6.8550% | 1,573 |
| Net charge-offs to loans | 0.3779% | 3,523 |
| Credit loss provision to net charge-offs | 108.7495% | 3,097 |
| Earnings coverage of net charge-offs (x) | 4.1963% | 3,228 |
| Efficiency ratio | 64.6989% | 5,005 |
| Assets per employee ($millions) | 5.0243% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 6,737 |
| Loan loss allowance to noncurrent loans | 103.4449% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.7109% | 5,218 |
| Noncurrent loans to loans | 0.7738% | 5,141 |
| Net loans and leases to total assets | 77.5278% | 766 |
| Net loans and leases to deposits | 99.0301% | 500 |
| Net loans and leases to core deposits | 100.2485% | 1,155 |
| Total domestic deposits to total assets | 78.2871% | 6,144 |
| Equity capital to assets | 10.0828% | 4,058 |
| Core capital (leverage) ratio | 10.4161% | 2,829 |
| Tier 1 risk-based capital ratio | 17.3545% | 2,435 |
| Total risk-based capital ratio | 18.3813% | 2,503 |
| Memoranda: | ||
| Average total assets | $6,194,060,000 | 149 |
| Average earning assets | $5,910,867,400 | 143 |
| Average equity | $628,720,800 | 162 |
| Average total loans | $4,805,669,600 | 126 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 6,644 |
| Cost of funding earning assets | 0.6976% | 5,782 |
| Net interest margin | 3.2656% | 5,964 |
| Noninterest income to average assets | 0.3788% | 4,823 |
| Noninterest expense to average assets | 2.2399% | 6,189 |
| Loan and lease loss provision to assets | 0.3574% | 2,723 |
| Net operating income to assets | 0.6084% | 4,050 |
| Return on assets (ROA) | 0.6577% | 4,004 |
| Pretax return on assets | 0.9735% | 3,509 |
| Return on Equity (ROE) | 6.4688% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.4688% | 2,255 |
| Net charge-offs to loans | 0.3110% | 3,542 |
| Credit loss provision to net charge-offs | 148.3946% | 2,120 |
| Earnings coverage of net charge-offs (x) | 5.2242% | 2,846 |
| Efficiency ratio | 64.0300% | 5,065 |
| Assets per employee ($millions) | 4.9545% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 6,599 |
| Loan loss allowance to noncurrent loans | 108.4763% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 5,241 |
| Noncurrent loans to loans | 0.8290% | 5,213 |
| Net loans and leases to total assets | 77.6109% | 755 |
| Net loans and leases to deposits | 98.9623% | 517 |
| Net loans and leases to core deposits | 100.2550% | 1,225 |
| Total domestic deposits to total assets | 78.4247% | 6,111 |
| Equity capital to assets | 10.3881% | 3,846 |
| Core capital (leverage) ratio | 10.5245% | 2,843 |
| Tier 1 risk-based capital ratio | 17.3764% | 2,496 |
| Total risk-based capital ratio | 18.5255% | 2,501 |
| Memoranda: | ||
| Average total assets | $6,154,882,500 | 150 |
| Average earning assets | $5,879,485,750 | 145 |
| Average equity | $625,817,500 | 163 |
| Average total loans | $4,766,251,750 | 127 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9747% | 6,703 |
| Cost of funding earning assets | 0.7079% | 5,912 |
| Net interest margin | 3.2668% | 5,947 |
| Noninterest income to average assets | 0.3823% | 4,826 |
| Noninterest expense to average assets | 2.2714% | 6,196 |
| Loan and lease loss provision to assets | 0.4067% | 2,399 |
| Net operating income to assets | 0.5605% | 4,263 |
| Return on assets (ROA) | 0.6288% | 4,036 |
| Pretax return on assets | 0.9284% | 3,517 |
| Return on Equity (ROE) | 6.2296% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.2296% | 2,275 |
| Net charge-offs to loans | 0.2803% | 3,485 |
| Credit loss provision to net charge-offs | 188.1114% | 1,608 |
| Earnings coverage of net charge-offs (x) | 5.7103% | 2,546 |
| Efficiency ratio | 64.7862% | 5,094 |
| Assets per employee ($millions) | 4.8961% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 6,617 |
| Loan loss allowance to noncurrent loans | 91.0058% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.9199% | 5,028 |
| Noncurrent loans to loans | 1.0048% | 4,989 |
| Net loans and leases to total assets | 77.5507% | 836 |
| Net loans and leases to deposits | 98.0847% | 589 |
| Net loans and leases to core deposits | 99.7795% | 1,362 |
| Total domestic deposits to total assets | 79.0650% | 6,070 |
| Equity capital to assets | 10.3167% | 3,727 |
| Core capital (leverage) ratio | 10.4074% | 2,822 |
| Tier 1 risk-based capital ratio | 16.9777% | 2,535 |
| Total risk-based capital ratio | 18.1318% | 2,543 |
| Memoranda: | ||
| Average total assets | $6,147,077,670 | 154 |
| Average earning assets | $5,877,594,000 | 148 |
| Average equity | $620,487,670 | 165 |
| Average total loans | $4,742,154,670 | 126 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9656% | 6,750 |
| Cost of funding earning assets | 0.7002% | 6,136 |
| Net interest margin | 3.2654% | 5,890 |
| Noninterest income to average assets | 0.3386% | 5,198 |
| Noninterest expense to average assets | 2.2876% | 6,221 |
| Loan and lease loss provision to assets | 0.5530% | 1,563 |
| Net operating income to assets | 0.4251% | 4,826 |
| Return on assets (ROA) | 0.4497% | 4,804 |
| Pretax return on assets | 0.6562% | 4,468 |
| Return on Equity (ROE) | 4.5046% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.5046% | 3,469 |
| Net charge-offs to loans | 0.4154% | 2,444 |
| Credit loss provision to net charge-offs | 173.8241% | 1,675 |
| Earnings coverage of net charge-offs (x) | 3.6892% | 2,666 |
| Efficiency ratio | 66.0915% | 5,023 |
| Assets per employee ($millions) | 4.9985% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8729% | 6,765 |
| Loan loss allowance to noncurrent loans | 94.4317% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.8773% | 5,155 |
| Noncurrent loans to loans | 0.9244% | 5,184 |
| Net loans and leases to total assets | 76.6191% | 942 |
| Net loans and leases to deposits | 97.4775% | 598 |
| Net loans and leases to core deposits | 99.4473% | 1,386 |
| Total domestic deposits to total assets | 78.6019% | 6,275 |
| Equity capital to assets | 9.9981% | 3,774 |
| Core capital (leverage) ratio | 10.1368% | 2,990 |
| Tier 1 risk-based capital ratio | 16.9484% | 2,499 |
| Total risk-based capital ratio | 18.0622% | 2,511 |
| Memoranda: | ||
| Average total assets | $6,148,339,500 | 155 |
| Average earning assets | $5,879,516,500 | 150 |
| Average equity | $613,774,000 | 166 |
| Average total loans | $4,708,674,000 | 129 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1005% | 7,046 |
| Cost of funding earning assets | 0.8045% | 6,545 |
| Net interest margin | 3.2960% | 5,993 |
| Noninterest income to average assets | 0.4459% | 4,549 |
| Noninterest expense to average assets | 2.3065% | 6,342 |
| Loan and lease loss provision to assets | 0.3305% | 4,173 |
| Net operating income to assets | 0.6308% | 3,527 |
| Return on assets (ROA) | 0.6672% | 3,499 |
| Pretax return on assets | 1.0107% | 2,902 |
| Return on Equity (ROE) | 6.6185% | 3,294 |
| Retained earnings to average equity (ytd only) | 6.6185% | 1,498 |
| Net charge-offs to loans | 0.3046% | 4,491 |
| Credit loss provision to net charge-offs | 146.4954% | 2,512 |
| Earnings coverage of net charge-offs (x) | 5.7006% | 2,553 |
| Efficiency ratio | 64.2022% | 5,310 |
| Assets per employee ($millions) | 4.9543% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 6,927 |
| Loan loss allowance to noncurrent loans | 82.1458% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.9352% | 5,142 |
| Noncurrent loans to loans | 0.9997% | 5,062 |
| Net loans and leases to total assets | 75.2440% | 1,425 |
| Net loans and leases to deposits | 97.8239% | 735 |
| Net loans and leases to core deposits | 99.9263% | 1,623 |
| Total domestic deposits to total assets | 76.9178% | 6,489 |
| Equity capital to assets | 9.9673% | 3,784 |
| Core capital (leverage) ratio | 10.1357% | 2,942 |
| Tier 1 risk-based capital ratio | 17.0570% | 2,328 |
| Total risk-based capital ratio | 18.0908% | 2,378 |
| Memoranda: | ||
| Average total assets | $5,900,302,800 | 154 |
| Average earning assets | $5,632,901,000 | 151 |
| Average equity | $594,828,800 | 170 |
| Average total loans | $4,369,905,200 | 135 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 7,143 |
| Cost of funding earning assets | 0.8278% | 6,663 |
| Net interest margin | 3.3290% | 5,927 |
| Noninterest income to average assets | 0.4504% | 4,559 |
| Noninterest expense to average assets | 2.3318% | 6,228 |
| Loan and lease loss provision to assets | 0.2736% | 4,396 |
| Net operating income to assets | 0.6554% | 3,625 |
| Return on assets (ROA) | 0.6849% | 3,647 |
| Pretax return on assets | 1.0681% | 2,938 |
| Return on Equity (ROE) | 6.7741% | 3,440 |
| Retained earnings to average equity (ytd only) | 6.7741% | 1,953 |
| Net charge-offs to loans | 0.3506% | 3,900 |
| Credit loss provision to net charge-offs | 106.0727% | 4,025 |
| Earnings coverage of net charge-offs (x) | 5.0221% | 2,869 |
| Efficiency ratio | 64.2839% | 5,194 |
| Assets per employee ($millions) | 4.7867% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7386% | 7,131 |
| Loan loss allowance to noncurrent loans | 68.1472% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 5,245 |
| Noncurrent loans to loans | 1.0838% | 5,070 |
| Net loans and leases to total assets | 75.2081% | 1,549 |
| Net loans and leases to deposits | 95.3564% | 1,060 |
| Net loans and leases to core deposits | 97.6856% | 2,075 |
| Total domestic deposits to total assets | 78.8705% | 6,052 |
| Equity capital to assets | 10.4495% | 3,574 |
| Core capital (leverage) ratio | 10.5002% | 2,688 |
| Tier 1 risk-based capital ratio | 17.4951% | 2,177 |
| Total risk-based capital ratio | 18.4131% | 2,248 |
| Memoranda: | ||
| Average total assets | $5,846,989,750 | 153 |
| Average earning assets | $5,580,016,250 | 151 |
| Average equity | $591,197,250 | 169 |
| Average total loans | $4,302,838,250 | 137 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 7,202 |
| Cost of funding earning assets | 0.8438% | 6,775 |
| Net interest margin | 3.3346% | 5,885 |
| Noninterest income to average assets | 0.5043% | 4,081 |
| Noninterest expense to average assets | 2.3220% | 6,298 |
| Loan and lease loss provision to assets | 0.2049% | 4,821 |
| Net operating income to assets | 0.7251% | 3,297 |
| Return on assets (ROA) | 0.7664% | 3,266 |
| Pretax return on assets | 1.2240% | 2,338 |
| Return on Equity (ROE) | 7.6643% | 3,033 |
| Retained earnings to average equity (ytd only) | 7.6643% | 1,570 |
| Net charge-offs to loans | 0.3314% | 3,667 |
| Credit loss provision to net charge-offs | 84.8536% | 4,571 |
| Earnings coverage of net charge-offs (x) | 5.6496% | 2,622 |
| Efficiency ratio | 62.9888% | 5,523 |
| Assets per employee ($millions) | 4.6640% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7204% | 7,205 |
| Loan loss allowance to noncurrent loans | 64.7897% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 0.9115% | 5,295 |
| Noncurrent loans to loans | 1.1118% | 5,101 |
| Net loans and leases to total assets | 73.8764% | 1,936 |
| Net loans and leases to deposits | 91.6594% | 1,585 |
| Net loans and leases to core deposits | 93.6632% | 2,773 |
| Total domestic deposits to total assets | 80.5987% | 5,535 |
| Equity capital to assets | 10.3912% | 3,534 |
| Core capital (leverage) ratio | 10.4952% | 2,637 |
| Tier 1 risk-based capital ratio | 17.4521% | 2,116 |
| Total risk-based capital ratio | 18.3284% | 2,201 |
| Memoranda: | ||
| Average total assets | $5,855,793,670 | 152 |
| Average earning assets | $5,587,983,330 | 149 |
| Average equity | $585,523,000 | 170 |
| Average total loans | $4,267,078,330 | 137 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 7,294 |
| Cost of funding earning assets | 0.8578% | 6,910 |
| Net interest margin | 3.3113% | 5,927 |
| Noninterest income to average assets | 0.4996% | 4,049 |
| Noninterest expense to average assets | 2.2974% | 6,383 |
| Loan and lease loss provision to assets | 0.2030% | 4,470 |
| Net operating income to assets | 0.7244% | 3,335 |
| Return on assets (ROA) | 0.7335% | 3,396 |
| Pretax return on assets | 1.1758% | 2,452 |
| Return on Equity (ROE) | 7.4778% | 3,123 |
| Retained earnings to average equity (ytd only) | 7.4778% | 1,934 |
| Net charge-offs to loans | 0.3267% | 3,103 |
| Credit loss provision to net charge-offs | 86.1574% | 3,744 |
| Earnings coverage of net charge-offs (x) | 5.7915% | 2,335 |
| Efficiency ratio | 62.7342% | 5,699 |
| Assets per employee ($millions) | 4.8165% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7410% | 7,269 |
| Loan loss allowance to noncurrent loans | 81.7881% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 5,697 |
| Noncurrent loans to loans | 0.9060% | 5,502 |
| Net loans and leases to total assets | 71.3567% | 2,601 |
| Net loans and leases to deposits | 91.8639% | 1,628 |
| Net loans and leases to core deposits | 93.5029% | 2,903 |
| Total domestic deposits to total assets | 77.6766% | 6,405 |
| Equity capital to assets | 9.9800% | 3,900 |
| Core capital (leverage) ratio | 10.0947% | 3,046 |
| Tier 1 risk-based capital ratio | 17.2866% | 2,159 |
| Total risk-based capital ratio | 18.1554% | 2,252 |
| Memoranda: | ||
| Average total assets | $5,910,647,000 | 154 |
| Average earning assets | $5,645,112,500 | 151 |
| Average equity | $579,740,000 | 171 |
| Average total loans | $4,262,717,000 | 139 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 7,399 |
| Cost of funding earning assets | 1.2370% | 6,518 |
| Net interest margin | 3.2443% | 5,944 |
| Noninterest income to average assets | 0.5244% | 4,218 |
| Noninterest expense to average assets | 2.3319% | 6,654 |
| Loan and lease loss provision to assets | 0.2163% | 5,627 |
| Net operating income to assets | 0.6910% | 2,967 |
| Return on assets (ROA) | 0.7432% | 2,842 |
| Pretax return on assets | 1.1660% | 2,047 |
| Return on Equity (ROE) | 7.8786% | 2,418 |
| Retained earnings to average equity (ytd only) | 7.8786% | 734 |
| Net charge-offs to loans | 0.2377% | 5,137 |
| Credit loss provision to net charge-offs | 123.8359% | 4,250 |
| Earnings coverage of net charge-offs (x) | 7.4477% | 2,145 |
| Efficiency ratio | 64.1944% | 5,741 |
| Assets per employee ($millions) | 4.8060% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7424% | 7,282 |
| Loan loss allowance to noncurrent loans | 88.8579% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6940% | 5,716 |
| Noncurrent loans to loans | 0.8354% | 5,620 |
| Net loans and leases to total assets | 71.8106% | 2,803 |
| Net loans and leases to deposits | 92.8827% | 1,754 |
| Net loans and leases to core deposits | 100.2892% | 3,965 |
| Total domestic deposits to total assets | 77.3132% | 6,382 |
| Equity capital to assets | 9.6380% | 4,228 |
| Core capital (leverage) ratio | 9.8351% | 3,292 |
| Tier 1 risk-based capital ratio | 17.1781% | 2,106 |
| Total risk-based capital ratio | 18.0714% | 2,172 |
| Memoranda: | ||
| Average total assets | $5,779,953,200 | 154 |
| Average earning assets | $5,537,290,400 | 151 |
| Average equity | $545,222,600 | 172 |
| Average total loans | $4,247,139,800 | 138 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5478% | 7,455 |
| Cost of funding earning assets | 1.2976% | 6,567 |
| Net interest margin | 3.2502% | 5,832 |
| Noninterest income to average assets | 0.5357% | 4,189 |
| Noninterest expense to average assets | 2.3651% | 6,515 |
| Loan and lease loss provision to assets | 0.1741% | 5,623 |
| Net operating income to assets | 0.7072% | 3,178 |
| Return on assets (ROA) | 0.7790% | 2,959 |
| Pretax return on assets | 1.2240% | 2,188 |
| Return on Equity (ROE) | 8.3046% | 2,514 |
| Retained earnings to average equity (ytd only) | 8.3046% | 1,040 |
| Net charge-offs to loans | 0.2087% | 4,729 |
| Credit loss provision to net charge-offs | 113.0881% | 4,493 |
| Earnings coverage of net charge-offs (x) | 8.3519% | 2,260 |
| Efficiency ratio | 64.7758% | 5,596 |
| Assets per employee ($millions) | 4.7672% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7178% | 7,329 |
| Loan loss allowance to noncurrent loans | 80.1269% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.7765% | 5,577 |
| Noncurrent loans to loans | 0.8959% | 5,489 |
| Net loans and leases to total assets | 72.1820% | 2,993 |
| Net loans and leases to deposits | 94.3296% | 1,825 |
| Net loans and leases to core deposits | 104.3214% | 3,894 |
| Total domestic deposits to total assets | 76.5211% | 6,468 |
| Equity capital to assets | 9.7521% | 4,420 |
| Core capital (leverage) ratio | 9.8977% | 3,400 |
| Tier 1 risk-based capital ratio | 17.0084% | 2,273 |
| Total risk-based capital ratio | 17.8608% | 2,341 |
| Memoranda: | ||
| Average total assets | $5,742,277,500 | 163 |
| Average earning assets | $5,504,205,500 | 158 |
| Average equity | $538,629,500 | 178 |
| Average total loans | $4,236,252,000 | 147 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 7,530 |
| Cost of funding earning assets | 1.3886% | 6,518 |
| Net interest margin | 3.2139% | 5,865 |
| Noninterest income to average assets | 0.5785% | 3,846 |
| Noninterest expense to average assets | 2.4417% | 6,328 |
| Loan and lease loss provision to assets | 0.1573% | 5,496 |
| Net operating income to assets | 0.6702% | 3,382 |
| Return on assets (ROA) | 0.7622% | 3,109 |
| Pretax return on assets | 1.2040% | 2,293 |
| Return on Equity (ROE) | 8.2365% | 2,675 |
| Retained earnings to average equity (ytd only) | 8.2365% | 1,138 |
| Net charge-offs to loans | 0.1943% | 4,324 |
| Credit loss provision to net charge-offs | 109.1968% | 4,234 |
| Earnings coverage of net charge-offs (x) | 8.4513% | 2,256 |
| Efficiency ratio | 66.7265% | 5,410 |
| Assets per employee ($millions) | 4.7169% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7131% | 7,390 |
| Loan loss allowance to noncurrent loans | 86.2974% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7192% | 5,608 |
| Noncurrent loans to loans | 0.8263% | 5,575 |
| Net loans and leases to total assets | 72.0021% | 3,229 |
| Net loans and leases to deposits | 94.1160% | 2,069 |
| Net loans and leases to core deposits | 103.9739% | 4,065 |
| Total domestic deposits to total assets | 76.5036% | 6,435 |
| Equity capital to assets | 9.4596% | 4,660 |
| Core capital (leverage) ratio | 9.7524% | 3,569 |
| Tier 1 risk-based capital ratio | 16.7705% | 2,374 |
| Total risk-based capital ratio | 17.6137% | 2,447 |
| Memoranda: | ||
| Average total assets | $5,720,888,000 | 169 |
| Average earning assets | $5,483,844,000 | 164 |
| Average equity | $529,422,330 | 183 |
| Average total loans | $4,241,165,330 | 151 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 7,481 |
| Cost of funding earning assets | 1.4877% | 6,442 |
| Net interest margin | 3.2323% | 5,751 |
| Noninterest income to average assets | 0.5701% | 3,760 |
| Noninterest expense to average assets | 2.4463% | 6,039 |
| Loan and lease loss provision to assets | 0.1579% | 4,909 |
| Net operating income to assets | 0.6683% | 3,716 |
| Return on assets (ROA) | 0.8220% | 3,189 |
| Pretax return on assets | 1.3045% | 2,268 |
| Return on Equity (ROE) | 8.9832% | 2,729 |
| Retained earnings to average equity (ytd only) | 8.9832% | 1,490 |
| Net charge-offs to loans | 0.2669% | 3,065 |
| Credit loss provision to net charge-offs | 78.9474% | 4,206 |
| Earnings coverage of net charge-offs (x) | 6.1105% | 2,539 |
| Efficiency ratio | 66.6826% | 5,199 |
| Assets per employee ($millions) | 4.7072% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6905% | 7,464 |
| Loan loss allowance to noncurrent loans | 87.2095% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.6948% | 5,421 |
| Noncurrent loans to loans | 0.7918% | 5,459 |
| Net loans and leases to total assets | 73.8107% | 2,803 |
| Net loans and leases to deposits | 94.9807% | 2,112 |
| Net loans and leases to core deposits | 104.5023% | 4,083 |
| Total domestic deposits to total assets | 77.7113% | 6,102 |
| Equity capital to assets | 9.3469% | 4,867 |
| Core capital (leverage) ratio | 9.7923% | 3,641 |
| Tier 1 risk-based capital ratio | 16.9558% | 2,355 |
| Total risk-based capital ratio | 17.7935% | 2,433 |
| Memoranda: | ||
| Average total assets | $5,699,297,000 | 169 |
| Average earning assets | $5,463,312,500 | 163 |
| Average equity | $521,504,500 | 180 |
| Average total loans | $4,271,719,000 | 152 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2394% | 7,653 |
| Cost of funding earning assets | 2.2518% | 5,362 |
| Net interest margin | 2.9876% | 6,945 |
| Noninterest income to average assets | 0.5487% | 4,241 |
| Noninterest expense to average assets | 2.1803% | 7,016 |
| Loan and lease loss provision to assets | 0.9401% | 1,575 |
| Net operating income to assets | 0.1976% | 5,855 |
| Return on assets (ROA) | 0.2735% | 5,451 |
| Pretax return on assets | 0.4071% | 5,242 |
| Return on Equity (ROE) | 2.9468% | 5,255 |
| Retained earnings to average equity (ytd only) | 2.9468% | 3,338 |
| Net charge-offs to loans | 0.1838% | 4,361 |
| Credit loss provision to net charge-offs | 672.4749% | 635 |
| Earnings coverage of net charge-offs (x) | 8.8265% | 2,815 |
| Efficiency ratio | 63.8581% | 5,590 |
| Assets per employee ($millions) | 4.8925% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6731% | 7,491 |
| Loan loss allowance to noncurrent loans | 102.5558% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5680% | 5,482 |
| Noncurrent loans to loans | 0.6563% | 5,393 |
| Net loans and leases to total assets | 75.0526% | 2,874 |
| Net loans and leases to deposits | 103.2524% | 1,431 |
| Net loans and leases to core deposits | 114.6431% | 3,269 |
| Total domestic deposits to total assets | 72.6885% | 6,884 |
| Equity capital to assets | 8.9595% | 5,421 |
| Core capital (leverage) ratio | 9.3231% | 4,268 |
| Tier 1 risk-based capital ratio | 16.8751% | 2,349 |
| Total risk-based capital ratio | 17.7443% | 2,416 |
| Memoranda: | ||
| Average total assets | $5,566,349,600 | 173 |
| Average earning assets | $5,338,917,000 | 167 |
| Average equity | $516,622,600 | 184 |
| Average total loans | $4,234,107,800 | 154 |